Copyright Envision Corporation. 2002. All rights reserved.

Protected by the copyright laws of the United States & Canada and by nternational treaties. ! S ""E#A" A$% S!& C!"' P&() * !E% !( % S!& *U!E+ PU*" S)+ (,,E& ,(& SA"E+ " CE$SE (& SU*" CE$SE+ # -E (& % SC"(SE !( A$' (!)E& PA&!'+ !) S P&(%UC! $ )A&% C(P' (& % # !A" ,(&.. A"" (,,E$%E&S / "" *E SUE% $ A C(U&! (, "A/.

Copyright Envision Corporation. 2002. All rights reserved. Protected by the copyright laws of the United States & Canada and by international treaties. ! S ""E#A" A$% S!& C!"' P&() * !E% !( % S!& *U!E+ PU*" S)+ (,,E& ,(& SA"E+ " CE$SE (& SU*" CE$SE+ # -E (& % SC"(SE !( A$' (!)E& PA&!'+ !) S P&(%UC! $ )A&% C(P' (& % # !A" ,(&.. A"" (,,E$%E&S / "" *E SUE% $ A C(U&! (, "A/. Copyright Envision Corporation. 2002. All rights reserved. Protected by the copyright laws of the United States & Canada and by international treaties. ! S ""E#A" A$% S!& C!"' P&() * !E% !( % S!& *U!E+ PU*" S)+ (,,E& ,(& SA"E+ " CE$SE (& SU*" CE$SE+ # -E (& % SC"(SE !( A$' (!)E& PA&!'+ !) S P&(%UC! $ )A&% C(P' (& % # !A" ,(&.. A"" (,,E$%E&S / "" *E SUE% $ A C(U&! (, "A/.

Copyright Envision Corporation. 2002. All rights reserved. Protected by the copyright laws of the United States and Canada and by international treaties. ! S ""E#A" A$% S!& C!"' P&() * !E% !( % S!& *U!E+ PU*" S)+ (,,E& ,(& SA"E+ " CE$SE (& SU*" CE$SE+ # -E (& % SC"(SE !( A$' (!)E& PA&!'+ !) S P&(%UC! $ )A&% C(P' (& % # !A" ,(&.. A"" (,,E$%E&S / "" AU!(.A! CA""' *E SUE% $ A C(U&! (, "A/. CHECKLIST ISSUES TO REVIEW FOR HEALTH AND DISABILITY INSURANCE

!his chec0list will help yo1 to deter2ine if yo1r co2pany has a good disability ins1rance in place for all its directors+ officers and e2ployees.

s the ins1rer financially strong+ with a good rep1tation3 %oes the ins1rer have a good history of ti2ely paying clai2s3 /hat are the e4cl1sions fro2 coverage3 Are the pre2i12s co2petitive3 Are the pre2i12s for dependents reasonable3 s disability defined broadly eno1gh3 )ow long are the benefits payable3 (ne year3 !wo years3 !o a certain age3 "ife3 )ow long the person 21st be disabled before disability pay2ents 0ic0 in3 )ow is partial disability covered3

 s the policy g1aranteed renewable3 s the policy non5cancelable3 /hat is the level of pay2ent to a disabled e2ployee3 /ill there be a cost of living 1pward
ad61st2ent3

)ow 21ch fle4ibility does an ins1red have to choose doctors3 /hat e2ployees can be covered3 Can part5ti2e e2ployees be covered3 /hat does the ins1red have to pay for each doctor visit3 /hat ded1ctibles are present3 /hat dependents are eligible for coverage3 /ill benefits be available to gay partners of the e2ployee3 /hat hospitali7ation and 2a6or 2edical e4penses are covered3 )ow does the policy co2pare with other ins1rers3

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