Non-Insurance Plans
The SPE Discount Medical PlanBest Benefits ProgramThe Best Benefits Program is available to view here. |
Insurance Plans
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Group Life Insurance Term Life Insurance First-to-Die Term Life Insurance 10-Year Level Premium Term Life High-Limit Accident Medical Comprehensive HealthCare Health Savings Account Qualified Plan Disability Disability Income Supplemental Cancer Expense Dental In-Hospital Catastrophic Major Medical Long Term Care Medicare Supplement Plan Property and Casualty Auto and Homeowner Insurance International Travel Insurance International Travel |
(Links above lead to individual plan pages)
Using This Website
For the Group Life, Medical, Disability, and Supplemental Plans
This online guide to the SPE Group Insurance Program gives you the information you need to help make the right insurance choices for you and your family. All of the insurance plans and the discount medical plan offered through SPE are described in detail. From Plan eligibility to benefits, premiums to limitations, you'll get a clear picture of exactly what each Plan makes available to you and your family.
There is an easy-to-complete application for each Plan available online.
If you have any questions about a Plan, or how you can apply, please contact your Customer Service Associate.
For the Property and Casualty—Auto and Homeowner Plans
For links to free on-line quotes and for toll-free numbers to Liberty Mutual click here
Group Life Insurance
Term Life Insurance Plan
The SPE Term Life Insurance Plan offers members and their families exceptional value and flexibility. With up to $750,000 in affordable coverage, the Plan gives you the range of benefits you need, whether to supplement your existing life insurance or to get you started building your family's life insurance protection. And, with possible money-saving experience credits and reduced nonsmoker rates, and a premium discount on coverage of $220,000 or more, the Plan is very affordable. Plus, the Plan's Accelerated Death Benefit can provide an insured member or spouse with money when needed most - by making a portion of their total life insurance benefit available while they are still alive.
First-to-Die Term Life Insurance Plan
The SPE The First-to-Die Plan's provides equal protection for both marriage partners-up to $200,000 each-for both you and your spouse. The benefit you select is paid out when the first of you loses your life. The First-to-Die Plan’s equal protection makes sense for married couples who want quality financial protection at a competitive price.
10-Year Level Premium Term Life
The SPE 10-Year Level Term Life Insurance Plan can be a flexible, affordable way to provide life insurance for your family. Your premium rates will remain level for the first 10 years of coverage under the Plan, so you'll know exactly how much your coverage will cost for the initial 10 years.
High-Limit Accident Insurance Plan
The SPE High-Limit Accident Insurance Plan is the affordable way to protect your family against the financial impact of a serious accident. And, as we all know, an accident can happen anywhere - at a stop light, in your kitchen, even in a supermarket. The only thing accidents have in common is that they're unexpected. But that doesn't mean you can't prepare for accidents. The High-Limit Accident Plan provides you and your family with up to $500,000 in benefits for covered accidents - protection that can really come in handy.
Medical
Comprehensive HealthCare Insurance Plan
The SPE Comprehensive HealthCare Plan offers valuable coverage for you, your spouse and your dependents. The Comprehensive HealthCare Plan provides a $2,000,000 benefit maximum while insured under the Plan through one of the largest, most respected PPO networks in the U.S.; a prescription drug card; deductible-free benefits for many preventive health care services; and lower co-payment when using network providers. And, with a choice of annual deductibles and out-of-pocket maximums, you have the flexibility to apply for the coverage you need, at a cost you can afford.
Health Savings Account Qualified Insurance Plan
Need a tax break? The The GeoCare Benefits Health Savings Account Qualified Plan can provide up to $2,000,000 for eligible medical expenses to each insured family member, through a qualified health insurance plan. This Plan can work in conjunction with a tax-deferred fund that can be used to help pay your deductibles and out-of-pocket expenses. Health Savings Accounts allow you to make tax-deductible contributions equal to $2,900 for individuals in 2008. For those covering dependents, too, the allowable amount is $5,800 in 2008.
Disability
Disability Income Insurance Plan
The SPE Disability Income Plan works for you - when you can't go to work. Your ability to bring home a regular income is your most important asset. How would your family's lifestyle be affected if you suffered a disabling illness or injury, and you were unable to work? Without a continuing source of income, many families would have to tighten their belts, dip into savings, and perhaps even move to a more affordable home. The Disability Income Plan can provide up to $7,500 in monthly benefits for covered disabilities, with your choice of waiting and benefit periods. Benefits that can help keep your family living the lifestyle you want for them, even if you're unable to work.
Supplemental
Dental Insurance Plan
The SPE Dental Insurance Plan was created to provide affordable dental benefits for you and qualified family members. Routine exams and preventive services are covered as soon as you receive your certificate.
Cancer Expense Insurance Plan
There's exciting news in the war against cancer. Researchers are making tremendous progress in developing effective, long-term treatments for cancer-treatments that may control the disease, bringing hope to millions of people. Unfortunately, the cost of these long-term treatments can be substantial. That's where the SPE Cancer Expense Insurance Plan helps. It pays benefits subject to the specific benefit limitations set forth in the policy, regardless of any other insurance coverage you may have.
In-Hospital Insurance Plan
The SPE In-Hospital Insurance Plan can help pay for your out-of-pocket health care costs by providing you with up to $200 a day in benefits for every day you spend in the hospital.
Catastrophic Major Medical Insurance Plan
If you already have health care coverage through your job, the SPE Catastrophic Major Medical Plan can be an excellent supplement to your basic plan, providing you and your family with comprehensive, high-limit coverage. With up to $2,000,000 in benefits for a single illness or injury, and your choice of $25,000 or $50,000 deductibles, the Plan can help pay for expensive medical treatments after your basic plan's benefits have been exhausted.
Long Term Care Insurance Plan
The SPE Long Term Care Plan can be a valuable, affordable way to help protect you, your spouse, and your hard-earned savings in the event you need nursing home or in-home care someday.
Medicare Supplement Plan
The SPE Medicare Supplement Insurance Plan offers members dependable coverage that will help pay the out-of-pocket health care expenses not covered by Medicare.
Your Personal Guarantee of Satisfaction
This website is for illustrative purposes only and is not a contract. When you are approved for coverage in any SPE Insurance Plan, you'll receive a Certificate of Insurance. The Certificate provides you with detailed information on the Plan you have chosen. It also gives you 30 days to review your coverage to make sure it's exactly what you and your family need. If you're not satisfied, for any reason, just return your Certificate of Insurance to the SPE Group Insurance Program office. You'll get a complete refund, with no obligation.
The Comprehensive HealthCare, HSA Qualified Health, Term Life, First-to Die Term Life, 10-Year Level Premium Term Life, Disability Income, and Catastrophic Major Medical Plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.
New York Life Insurance Company's state of domicile is New York and NAIC ID# is 66915.
The Broker of Record is:
F. Michael Strunk
P. O. Box 511385
Punta Gorda, FL 33951-1385
Phone: 941-639-3333
CA License #0C30823