AIG Benefit Solutions
Your Source for Employer
Group Solutions
Product Guide
AIG Benefit Solutions
With one of the industry’s broadest and most diverse
portfolios of products and services, we are ideally
positioned to work in close partnership with you to
create a benefits plan that is customized to meet
your unique challenges.
Employer Group Solutions
Our products and services for employers include employer-funded
and employee-paid insurance plans for greater flexibility in
building benefits packages.
Protection
Solutions
Supplemental
Medical Solutions
Employer
Risk Solutions
Multi-Product
Solutions
Value-Added
Solutions
•Term Life
•Accidental Death &
Dismemberment (AD&D)
•Universal Life
•Short-Term Disability
•Long-Term Disability
•Business Travel Accident
(Ambassador)
•Critical Illness
•Accident
•Hospital Indemnity
•Organ Transplant
•Medical Stop Loss
•Captive Solutions
•Packaged Products
(ProtectPakSM)
•My Life ValuesSM
•AIG Benefits Travel AssistSM
•Instant Access AccountSM
•Family and Medical Leave
Act (FMLA) Administration
Program
•Employee Assistance
Program
•e-Solutions
•Catastrophic Medical
Management (MedCAT®)
•Dedicated and experienced
Taft-Hartley unit
3
Protection Solutions
Group Term Life
(Employer-Funded)1,2
Group AD&D
(Employer-Funded)1,2
Group Term Life
(Employee-Paid)1,2
Groups of 2–9 Employees
Groups of 2–9 Employees
Groups of 2–9 Employees
• Flexible plan options to meet specific needs
• Sold with Group Term Life policies
• Multiple life coverages are available
• High coverage amounts (groups of 2–4
eligible employees: up to $100,000; 5–9
eligible employees: $200,000)
• High coverage amounts (groups of 2–4
eligible employees: up to $100,000;
5–9 eligible employees: $200,000)
• Available at a minimum of just two lives
• Guaranteed issue for new groups:
– 2–4 enrolled employees: $10,000
– 5–9 enrolled employees: $75,000
• Covers injuries on or off the job, 24 hours
a day, 7 days a week, every day of the year
• Waiver of premium to age 65
• Conversion option to a permanent plan
• Seat belt and airbag benefit
• Waiver of premium to age 65
• Exposure and disappearance benefit
• Definition of loss is 365 days
• Accelerated death benefit
• Domestic partner coverage available
3
• My Life Values5 at no extra cost
(see page 14)
• Coverage amounts up to $400,000,
depending on plan design
• Accelerated death benefit
• Portable and convertible options available
• Domestic partner coverage available3
• Dependent coverage available for spouse
and children4
• Instant Access Account5 at no extra cost
(see page 14)
• Dependent coverage available for spouse
and children4
• Instant Access Account5 at no extra cost
(see page 14)
• My Life Values5 at no extra cost
(see page 14)
• AIG Benefits Travel Assist at no extra cost
(see page 14)
Additional Features for Groups of
10-Plus Employees
• Instant Access Account5 at no extra cost
(see page 14)
Additional Features for Groups of
10-Plus Employees
Additional Features for Groups
of 10-Plus Employees
• Coverage amounts up to $500,000
• Guarantee issue amounts up to
$150,000 (depending on group size
and participation)
• Guaranteed issue (calculated based on
group size and participation)
• Coverage amounts up to $500,000
• Spouse coverage amounts up to $50,000
• Waiver of premium available to age
65 or 70
• Employee Assistance Program (EAP) with
telephonic and online Work/Life services6
(see page 14)
5
• Additional buy-up options:
• Spouse coverage amounts up to $400,000
– Tier-One AD&D: Repatriation of
remains, spouse and child tuition, and
child day care
– Tier-Two AD&D: All of tier-one provisions
plus permanent and total disability
benefits, paralysis benefits, and common
carrier provisions
4
Protection Solutions
Group and Personal AD&D
(Employer-Funded and
Employee-Paid)1,2,7
• Sold as a stand-alone policy
• Coverage amounts up to $300,000,
depending on plan design
• Covers injuries on or off the job, 24 hours
a day, 7 days a week, every day of the year
• Definition of loss is 365 days
• Seat belt and airbag benefit
• Exposure and disappearance benefit
• Instant Access Account5 at no extra cost
(see page 14)
• AIG Benefits Travel Assist5 at no extra cost
(see page 14)
40+ additional buy-up riders, including:
• Repatriation of remains benefit
• Tuition benefit
• Waiver of premium benefit
• Coma benefit
• Common disaster benefit
• Conversion privilege benefit
• Emergency evacuation benefit
5
Protection Solutions
Personal Universal Life
(Employee-Paid)1,2
Personal Term Life
(Employee-Paid)1
• Flexible underwriting available, including
guaranteed issue, contingent guaranteed
issue and simplified issue
• Flexible underwriting available,
including contingent guaranteed
issue and simplified issue
• Employee coverage up to $500,000
• Employee coverage up to $150,000
• Spouse coverage up to $200,000
• Spouse coverage up to $50,000
• Child coverage up to $25,000
• Child coverage up to $10,000
• Spouse and dependent child coverage
available without employee purchase
• Guaranteed renewable individual contracts
that cannot be cancelled as long as all
premiums are paid on time
• Guaranteed renewable individual contracts
that cannot be cancelled as long as all
premiums are paid on time
• Coverage can be converted to permanent
life insurance
• Fully portable
• Fully portable
• Convenient payroll deduction
• Convenient payroll deduction
• Optional riders include Accidental Death
Benefit Rider (82012), Children’s Insurance
Rider (82410), Waiver of Premium Rider
(82001), Accelerated Death Benefit for
Terminal Illness Rider (91401) and
Future Guaranteed Insurability Benefit
Rider (95101)8
• Optional riders include Accidental Death
Benefit Rider (82012), Children’s Insurance
Rider (82410), Waiver of Premium Rider
(82001) and Accelerated Death Benefit
for Terminal Illness Rider (91401)8
Did You Know?
Seven out of 10 American families
would find their lifestyles in jeopardy
if the primary breadwinner died.9
6
Protection Solutions
Group Short-Term
Disability (STD)
(Employer-Funded)1,2
Group Long-Term
Disability (LTD)
(Employer-Funded)1,2
New Jersey Temporary
Disability Benefits (NJTDB)
(Employer-Funded)2
New York Disability
Benefits Law (NY DBL)
(Employer-Funded)2
Groups of 2–9 Employees
Groups of 2–9 Employees
Groups of 50-Plus Employees
Groups of 2-Plus Employees
• Standard benefit percentage: 60;
other percentage options: 40 and 50
or flat amount
• Rehabilitation program and rehab
benefits provision
• 7/7 elimination period
• 7/7 elimination period
• 26-week duration
• 26-week duration
• Maximum benefit up to $1,500 weekly
• Minimum monthly benefit
• Standard benefit duration is 26 weeks,
with 13 weeks as a cost-saving option
• 66-2/3 percent of employee salary to the
current state-mandated amount
• 50 percent of employee salary to the
current state-mandated amount
• Partial disability benefit provision
• Available on its own or in conjunction with
other disability plans
• Available on its own or in conjunction with
other disability plans
• Level premium throughout the year
• Level premium throughout the year
• 24-month rate guarantee
• 12-month rate guarantee
• Several elimination period and benefit
duration options
• Option to cover maternity as any other
covered condition
• Return-to-work incentives
• Plans available in CA, NJ, NY and RI to
supplement state plans
• Survivor benefit
• $25 minimum weekly benefit
• Waiver of disability premium
• Partial disability provision
• Simplified issue
• My Life Values5 at no extra cost
(see page 14)
Additional Features for Groups of
10-Plus Employees
• Additional benefit percentage options:
66-2/3 and 70 or flat amount
• Weekly maximums up to $3,000 for
preferred industries
• Option of 52-week benefit duration
• Option of 24-month rate guarantee
• Maternity covered as any other
covered condition
• Waiver of disability premium
• Zero-day elimination period
• Child care expense benefit provision
• Workplace modification provision
• Simplified issue
• My Life Values5 at no extra cost
(see page 14)
Additional Features for Groups of
10-Plus Employees
• Additional benefit option of
66-2/3 percent
• Maximum monthly benefit up to $10,000
• Optional conversion privilege
• Optional catastrophic disability benefit
• Optional cost-of-living adjustment
• Employee Assistance Program (EAP) with
telephonic and online Work/Life services6
(see page 14)
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Protection Solutions
Group Short-Term
Disability (STD)
(Employee-Paid)1,2
Group Long-Term
Disability (LTD)
(Employee-Paid)1,2
• Available at a minimum of just two lives;
guaranteed issue available if greater than
10 enrolled and 25 percent participation
• Available at a minimum of just two lives;
guaranteed issue available if greater than
10 enrolled and 25 percent participation
• Standard benefit percentage: 60; other
percentage options: 40 and 50
• Standard benefit percentage: 60; other
percentage options: 40 and 50
• Choice of 13- or 26-week benefit durations • Maximum monthly benefit of $6,000
• $25 minimum weekly benefit
• Maximum benefit up to $750 weekly for
preferred industries
• Up to 12-month rate guarantee
• Option to cover maternity as any other
covered condition
• Rehabilitation program and rehab
benefits provision
• Workplace modification provision
• Several elimination period and benefit
duration options
• Minimum monthly benefit
• Waiver of disability premium
• 24-month rate guarantee
Additional Features for Groups
of 10-Plus Employees
• Waiver of disability premium
• Maternity covered as any other
covered condition
• Survivor benefit
• Partial disability benefit provision
• Zero-day elimination period
• Advice-to-pay services available for
groups of 100-plus employees
Did You Know?
Nearly seven in 10 employed
consumers agree that “most people”
need disability insurance, and half
agree that they need it personally.10
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Protection Solutions
Ambassador Business
Travel Accident
(Employer-Funded)7
• 24-hour Accidental Death &
Dismemberment insurance for business
and/or personal travel anywhere in
the world
• AIG Benefits Travel Assist5 at no extra cost
(see page 14)
• Flexibility to cover all employees or specific
classes of employees (e.g., all managers)
with varying benefits and coverages for
each class
• Core coverages include emergency
evacuation, repatriation of remains, war
risk coverage, security evacuation, and
out-of-country accident and emergency
sickness medical
• Optional insurance coverages include
bereavement and trauma counseling,
commuting benefit, carjacking, kidnap
and ransom, accident medical expense,
paralysis, permanent total disability, family
relocation, coma, and baggage/personal
effects loss
• Family coverage available
Did You Know?
Obtaining medical treatment and
hospital care abroad can be expensive,
and medical evacuation to the United
States can cost more than $50,000.11
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Supplemental Medical Solutions
Group Critical Illness
(Employer-Funded and
Employee-Paid)1
Group Accident
(Employer-Funded and
Employee-Paid)1
Group Hospital Indemnity
(Employer-Funded and
Employee-Paid)1
• Covers a broad array of the conditions most
likely to result in major lifestyle changes,
including heart attack and stroke
• Pays cash directly to the insured for a
covered injury, regardless of what is
covered by other sources
• Pays a lump-sum benefit upon first
diagnosis of a covered critical illness
• Available as nonoccupational or
24-hour coverage
• Covers a broad array of costs associated
with hospital care, including surgery,
anesthesia, emergency room care for
accidents and physician office visits
• Dependent coverage available for spouse
and children4
• Dependent coverage available for spouse
and children4
• Child coverage available at no
additional cost
• Guaranteed issue coverage available
• 30-day waiting period for first diagnosis of
critical illness
• Continuation of coverage available as long
as the master policy remains in force
• Additional diagnosis and recurrence
benefits available
• Health Savings Account (HSA) Compatible
— this plan is compliant for employers
that offer a health savings account to their
employees alongside a high-deductible
health plan12
• No waiting period for additional diagnosis
of a critical illness that is medically
unrelated to the first critical illness diagnosis
• Convenient payroll deduction
• Delivers timely payments directly to the
insured, regardless of what is covered by
other policies
• Dependent coverage available for spouse
and children4
• Includes routine well-child exam benefit for
children under 12 months
• Guaranteed issue and simplified issue
coverage available
• Convenient payroll deduction
• Health Savings Account (HSA) compatible
plan options available
• Health screening benefit for all insureds
• No medical examination required
• Guaranteed issue and simplified issue
coverage available
• Convenient payroll deduction
• Continuation of coverage available as long
as the master policy remains in force
• Health Savings Account (HSA) Compatible
— this plan is compliant for employers
that offer a health savings account to their
employees alongside a high-deductible
health plan12
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Supplemental Medical Solutions
Personal Critical Illness
(Employee-Paid)1
Personal Accident
(Employee-Paid)1
• Flexible underwriting available, including
guaranteed issue and simplified issue
• Guaranteed issue underwriting; no
health questions
• No family history question
• Covers a wide range of injuries, including
injuries that occur during organized
sporting events
• Covers 11 critical illnesses, such as heart
attack, stroke, cancer, coma, severe burns,
paralysis and organ transplant
• Not coordinated or integrated with
any other insurance or government
• Available with and without cancer coverage
benefits; benefits are paid directly to the
• Guaranteed issue up to $10,000
policyholder regardless of what is covered
by other sources14
• Simplified issue coverage up to $50,000
• Guaranteed renewable individual contracts • 24-hour coverage
that cannot be cancelled as long as all
premiums are paid on time
• Dependent coverage available for spouse
and children on same policy4
• Guaranteed renewable individual contracts
that cannot be cancelled as long as all
premiums are paid on time
• Fully portable
• Dependent coverage available for spouse
and children4
• Convenient payroll deduction
• Fully portable
• Benefit Extension Rider (100879) pays a
benefit on a second or third critical
illness, or on a second diagnosis of the
same illness8,13
• Convenient payroll deduction
• Loss of Independent Living Rider (04805)
covers the inability to perform daily
activities without assistance8
• Optional riders include Accidental Death
& Dismemberment Rider (04022),
Accident-Only Disability Income Benefit
Rider (04023) and Hospital Cash Benefit
Rider (04025)8
• Occupational HIV Rider (04806) for
employees working in the medical field8
Did You Know?
Approximately every 25 seconds, an
American will suffer a coronary event.
And someone in the U.S. has a stroke
every 40 seconds, on average.15
11
Employer Risk Solutions
Group Organ Transplant
(Self-Funded)7
Group Medical Stop Loss
(Self-Funded)7
Group Captive Solutions
(Self-Funded)
• 100 percent coverage for in-network
transplant-related claims from first
dollar (including evaluations, hospital,
physician, procurement and drugs)
• Benefits of self-funding (lower fixed costs,
greater control) with reduced risks
• Provides a practical option between the
extremes of purchasing a fully insured
product and going fully self-funded
(or self-funded with stop-loss protection)
• No deductibles, co-insurance or out-ofpocket expenses for in-network services
• Aggregate stop-loss coverage protects
against an abnormal number of claims
over a plan year
• Experienced transplant case coordination
of the patient with on-staff registered nurses
• Choice of qualified transplant centers
throughout the United States
• Covers evaluation and up to 365 days
after transplant operation
• Generous travel and lodging allowance
for patient and companion
• Specific stop-loss coverage protects
against individual catastrophic claims
• Additional healthcare savings through
discounts on administrative services,
cost management tools and network
access fees
• Coverage for employers, Taft-Hartley
groups and associations
• Self-funding, coupled with cutting-edge
cost management tools and appropriate
managed care networks, offers a
greater ability to reduce and control
healthcare costs
• Pricing discounts on administrative
services, cost-management tools and
network access fees
• Opportunity to achieve a return of some
of the premium they pay for the coverage
if the cost-management tools they put in
place effectively reduce large claims
12
Multi-Product Solutions
ProtectPakSM
(Employee-Paid)1
• Two packages of insurance plans
that provide well-rounded coverage
and affordability
• ProtectPak 3 provides coverage for term
life, accident and critical illness
• ProtectPak 4 provides coverage for
term life, accident, critical illness and
short-term disability
Did You Know?
44 percent of Americans name the cost
of care as one of their top two economic
concerns, compared to 59 percent that
talk about jobs, and 37 percent that
mention the budget deficit.16
13
Value-Added Solutions
Resources Included for
Group Life, AD&D
and/or Disability
Family and Medical
Leave Act (FMLA)
Administration18
My Life ValuesSM5
For Groups of 100-Plus Employees
• Online Work/Life resources included with
select group life and disability products for
groups of 2–9 employees
• In-house administration through our
disability claims center
• Valuable research and informationgathering capabilities, including child care,
elder care and college searches
• Dining and entertainment
recommendations
• Online buying discounts at hundreds of
national vendors
AIG Benefits Travel AssistSM5
• Included with Ambassador, Group Term
Life and AD&D plans
• All state and federal regulations embedded
in the system ensures compliance with
FMLA laws
• Single-source intake of absence notification
• Ability to track leaves concurrently with
disability claims
• Generation of all required documents
and forms
• Self-service website for custom reports
on utilization and activity
Employee Assistance
Program (EAP)19
• Core telephonic EAP with online Work/Life • Flexible programs and services to facilitate a
services included with employer-funded
smooth enrollment experience for groups of
group LTD plans with 10 or more employees
any size
• Master’s and Ph.D.–level counselors
available 24 hours a day for personal and
confidential counseling
• Work/Life resource connects employees
to tools and live coaches providing a
confidential service to support healthy
lifestyle changes
• Unlimited consultation with subject-matter
experts on issues such as adult care, child
care and convenience services
• Free 30-minute legal counseling as well as
self-service preparation of will
• Provides travel-related information and
assistance, including:
– Travel Medical Assistance
– Worldwide Travel Assistance
– Security Assistance Services
– VIP Concierge Services
– Identity Theft Assistance17
• Free 30-minute tax consultation with CPA
or expert financial counseling and 25
percent off providers’ fees thereafter
• 24-hour access via toll-free phone number
and members-only website
• Includes funeral support program offering
employees or their household members
help with funeral preparation, memorial
service preparation, local funeral services
and assistance resources
Instant Access AccountSM5
• Included with select Group Term Life and
AD&D plans
• Provides beneficiaries with interest-bearing
checking accounts
• Makes accessing benefits much easier for
those who have suffered a loss
e-Solutions
• An array of online do-it-yourself legal
documents that cover subjects such as
power of attorney, consumer credit,
affidavits and estate planning, among
other things
• Consultative personal enrollment support
• Customized communications that build
awareness, promote participation and
educate employees
• Wide range of flexible enrollment methods
(face-to-face, call center, Web-based or an
integrated solution combining the options
that work best for your business)
• Employee reminders and directional signage
for face-to-face enrollment meetings
• Custom report site to track enrollment
progress, as well as specific reports that
provide key enrollment details
• Secured servers and a series of security
features to protect sensitive information
• Post-enrollment reports with participation
statistics and tips
• Online management resources that
provide guidance for conducting effective
performance reviews and assessments, as
well as access to an extensive article library
Additional EAP Buy-Up Options
• Telephonic EAP with full (telephone and
online) Work/Life services
• Face-to-face EAP with full (telephone and
online) Work/Life services
14
Value-Added Solutions
Catastrophic Medical
Management
(MedCAT®)
Dedicated and
Experienced
Taft-Hartley Unit
• Integrated catastrophic medical
management solution
• “Actively at work” provisions waived
• Cancer care management
• Renal dialysis management
• Neonate management
• Transplant network
• Hemophilia management
• Dedicated, experienced Taft-Hartley unit
that has an excellent record working with
both traditionally administered and selfadministered plans
• No “new laser options” are available for
renewing business
• Stop-loss policy provides comprehensive
coverage over the plan document to help
minimize potential coverage gaps
• Early rate lock-in is available for
qualified groups
• Organ transplant product is a fully insured,
first-dollar carve-out benefit which covers
organ and tissue transplant costs, including
all transplant-related physician, hospital
and drug expenses, as well as most travel
expenses, so there are no out-of-pocket
costs for the member
To find out more about how our
products and services can benefit your
business, contact your agent, broker or
AIG Benefit Solutions representative, or
visit aigbenefits.com.
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1.Policies underwritten by American General Life Insurance Company.
2.Policies underwritten by The United States Life Insurance Company in the City of New York.
3.Domestic partner coverage not available in ID, KS, LA or OH.
4.Amount of dependent coverage may vary by state law and is subject to limits imposed by individual states.
5.Not an insurance product. Not available in all states.
6.Employee Assistance Program (EAP) and Work/Life services are provided by Harris, Rothenberg International (HRI), Inc.
These services are not insurance and are not provided by one of the American General companies.
7.Policies underwritten by National Union Fire Insurance Company of Pittsburgh, Pa.
8.Not all riders are available in all states. There may be a charge for each rider selected. Adding or deleting riders and increasing
or decreasing coverage under existing riders can have tax consequences. Policy owners should consult a qualified tax advisor.
See the rider for details regarding the benefit descriptions, limitations and exclusions.
9.LIMRA® (Life Insurance Market Research Association) website, LIMRA.com, February 2012.
10.2013 Insurance Barometer Study, The Life and Health Insurance Foundation for Education (LIFE), 2013.
11.U.S. Department of State. Tips for Traveling Abroad, 2011.
12.Although American General Life Insurance Company has attempted to ensure that the benefits included in this policy are HSA-compatible, employers need to consult their
own advisors as to whether the inclusion of these benefits into the employer’s offerings creates coverage that would make an employee ineligible to contribute to an HSA.
13.Benefit Extension Rider is only available with cancer coverage included.
14.Does not apply to Medicaid situations. See policy for details.
15.Heart and Stroke Statistics, 2012 Update, American Heart Association.
16.The Kaiser Family Foundation, Kaiser Health Tracking Poll, 08/2012.
17.Identity theft services are not available for residents in New York or outside the United States.
18.FMLA administration program is available with the purchase of an insured disability or life product — not sold stand-alone.
19.Program is not basic health insurance. Not available in VT and MT. Hospitals not available in AK, HI, RI, MD, VT, WV and WY.
Discount medical services not available in AK, FL, IN, KS, MT, ND, SD and VT.
Policies issued by:
American General Life Insurance Company
Houston, Texas
Policy form numbers: C11657, GCI50001, G-DIS-41000, G-LAD-40000, N20000, 03800, 04120, 05002 and 08463
The United States Life Insurance Company in the City of New York
New York, New York
Policy form numbers: 08450N, 08451N, C11960NY, G-DIS-31000, G-19015-DBL and G-L-60000
National Union Fire Insurance Company of Pittsburgh, Pa.
New York, New York
Policy form series: C11656(REV 3-99)DBG, C11860DBG, C22438DBG, C36026NUFIC, M20005-NUFIC, N20000 and N20000NUFIC et al.
www.aigbenefits.com
AIG Benefit Solutions® is the marketing name for the domestic benefits division of American International Group, Inc.
The underwriting risks, financial and contractual obligations, and support functions associated with products issued by American General Life Insurance Company, The United States Life Insurance Company in the City of New York, and National
Union Fire Insurance Company of Pittsburgh, Pa., are the issuing insurer’s responsibility. The United States Life Insurance Company in the City of New York is authorized to conduct insurance business in New York. National Union Fire Insurance
Company of Pittsburgh, Pa., maintains its principal place of business in New York, N.Y., and is authorized to conduct insurance business in all states and the District of Columbia. NAIC No. 19945. Not all policies are available in all states.
Important Note: Guarantees are subject to the claims-paying ability of the issuing insurance company.
This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All products are subject to the terms,
conditions, limitations and exclusions of the policy. Please see policy and certificate for details.
Group Critical Illness is the marketing name for the Group Critical Illness Insurance Policy. Group Accident is the marketing name for the Group Accident Indemnity Insurance Policy. Group Hospital Indemnity is the marketing name for the Group
Accident and Sickness Indemnity Insurance Policy.
For critical illness, comprehensive medical coverage may be required in some states in order to apply for or maintain this coverage.
An employer-funded program may be funded 100 percent by the employer or a combination of both employer and employee funding.
© 2013. All rights reserved.
AIGB107097 R11/13
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