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CNA BENEFIT TRUST
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The CNA Benefit Trust was established to provide an affordable option for RN’s to purchase insurance benefits at excellent group rates for qualifying members and extended to CNA staff.
Discover the valuable CNA Benefit Trust benefits available to you!
2024 Open Enrollment is now closed.
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CNA Benefit Trust Plan Participants Receive a contribution toward a base Long Term Care Insurance plan.
Long Term Care Insurance: Minimum Benefit $25.00 per month includes: payable after 180 days of disability (defined as needing assistance with two or more activities of daily living (ADL's) - Bathing, Dressing, Toileting, Transferring, Continence, and Eating - or severe cognitive impairment). Other options available.
- Coverage for Nursing Home at $3,000 per month
- Coverage for Assisted Living at $2,100 per month
- Coverage for Home Care at $1,500 per month
- LTC Plan Details
FAQs
When you say “medical underwriting,” what do you mean by this? Will I have to have an exam?
Yes, if you choose to increase the duration of your monthly benefit, add inflation protection or the immediate family member home care option, you must undergo medical underwriting. If you pass the medical underwriting your entire plan will be completely re-rated at your current age, so there will be an increase in your premium.
I have a small child, can I buy a policy for them?
Although this is available to family members, they must be between the ages of 18-80 to apply for coverage, so young children are not eligible for coverage until they are age 18. Also, if someone purchased coverage at age 80, it does not mean they won’t receive coverage at age 95. The rule only limits the age at which they can apply for a new policy.
Does my family have to enroll during the open enrollment period?
No, family members can enroll in LTC at any time as they are all subject to evidence of insurability.
How does a family member sign up for coverage?
Family members can enroll using this site. When they click “Apply Now” they would indicate that they are a family member.
What if I already have an individual long term care policy?
Your UNUM policy does not have a coordination of benefits clause, meaning that the plan will pay benefits regardless of whether or not you have another policy.
My brother lives in another state, can he apply for this benefit?
Yes, family members may reside in another state.
What’s the difference between long term care and long term disability?
Long term disability is meant to be income replacement in the event you become disabled and are unable to work. Long Term Care is designed to pay for the cost of care for yourself or a loved one, who due to age, illness or injury is unable to perform two or more of the six activities of daily living: toileting, transferring, eating, dressing, continence, or bathing.
Do I have to pick just one level of care (nursing home, assisted living, home health), or can I move among the choices as necessary?
You may draw from any levels of care in your plan, the benefit amount will be adjusted accordingly, but you will still always have your pool of money.
Can the insurance company cancel my policy?
This policy is guaranteed renewable. The insurance company cannot cancel the policy as long as you pay the premiums.
Can the insurance company raise the rates?
Unum reserves the right to raise rates. Increases are based on a policyholder’s age at the time he or she enrolled in the plan, for all similar policies in the State of CA, as approved by the CA State Insurance Department. Individuals cannot be singled out for a premium increase.
What is my policy elimination period?
The elimination period under your UNUM plan is 180 days. It only needs to be satisfied once in your lifetime.
Must I wait until I’ve satisfied the elimination period before I file a long term care claim?
No, long term care claims should be filed as soon as you need assistance with the activities of daily living or need supervision.
What if I already have an individual long term care policy?
Your UNUM policy does not have a coordination of benefits clause, meaning that the plan will pay benefits regardless of whether or not you have another policy.
My brother lives in another state, can he apply for this benefit?
Yes, family members may reside in another state.
What’s the difference between long term care and long term disability?
Long term disability is meant to be income replacement in the event you become disabled and are unable to work. Long Term Care is designed to pay for the cost of care for yourself or a loved one, who due to age, illness or injury is unable to perform two or more of the six activities of daily living: toileting, transferring, eating, dressing, continence, or bathing.
Do I have to pick just one level of care (nursing home, assisted living, home health), or can I move among the choices as necessary?
You may draw from any levels of care in your plan, the benefit amount will be adjusted accordingly, but you will still always have your pool of money.
Can the insurance company cancel my policy?
This policy is guaranteed renewable. The insurance company cannot cancel the policy as long as you pay the premiums.
Can the insurance company raise the rates?
Unum reserves the right to raise rates. Increases are based on a policyholder’s age at the time he or she enrolled in the plan, for all similar policies in the State of CA, as approved by the CA State Insurance Department. Individuals cannot be singled out for a premium increase.
What is my policy elimination period?
The elimination period under your UNUM plan is 180 days. It only needs to be satisfied once in your lifetime.
Must I wait until I’ve satisfied the elimination period before I file a long term care claim?
No, long term care claims should be filed as soon as you need assistance with the activities of daily living or need supervision.
NOTE: The above is for informational purposes only. Specific plan details and definitions are found in your master long term care insurance policy issued by Unum.
Included in Participant Base Plan ($ per month membership)
- $50,000 Life Insurance
- $50,000 Accidental Death & Dismemberment (AD&D)
- Mutual of Omaha Evidence of Insurability
- Group Term Life Certificate Summary
Does medical underwriting or evidence of insurability mean I must take a medical exam?
Not necessarily. The first step is to complete a series of simple, mostly yes or no questions in the application for insurance. If you elect more than $100,000 of coverage on yourself, a Paramedical Exam will be required, including a blood and urine test. You pay for the cost of this test, approximately $90. But if you enroll in the open enrollment period, there are no medical questions or tests needed, for any amount of coverage.
Can I apply to increase my life coverage amount or add life coverage for my spouse at a later date?
Requests for increases in coverage or adding dependent spouse, domestic partners or children under age 21 (age 25 if full time students) outside of your open enrollment or new hire grace period must undergo medical underwriting also known as “Evidence of Good Health” review. Upon approval from the insurance carrier the requested benefit level and premium will be adjusted accordingly for your approved coverage amount.
Can I sign up for coverage if I am an eligible employee but currently on approved leave of absence during my scheduled enrollment period?
Yes, however coverage does not take effect until you return to work in a benefitted position.
If I enroll during my open enrollment period, are there any restrictions before coverage begins for myself, spouse or domestic partner, or children?
You must be actively at work in a benefitted position on the effective date, otherwise coverage will take effect on the day you return to work in a benefitted position. Additionally your Spouse/Domestic Partner and Children cannot be confined to a hospital or similar institution, or at home under the care of a Physician, otherwise their coverage will begin the day after their confinement ends.
If I die in an accident, do my beneficiaries receive both an Accidental Death and Life insurance benefit?
Yes, if your death is due to an accident both an Accidental Death and Life insurance benefit are paid. If you elect $50,000 of Life and AD&D in addition to the $50,000 included in the Base Benefit, your beneficiaries would receive a total of $200,000 in the event you die due to an accident.
Can I designate more than one beneficiary to cover me in the event my beneficiary predeceases me?
Yes you may designate multiple beneficiaries and assign secondary or contingent beneficiaries. If you do not designate a percentage in the case of multiple beneficiaries the benefit will be divided equally amount those listed.
Who is the beneficiary of my spouse, domestic partner or dependent child policy under this group policy?
Benefits will be payable to You, the participating employee.
My Spouse and I are members working for the same hospital group; can we both enroll for Trust Plan coverage?
Yes if family members meet the Trust Plan eligibility requirements you can be covered as employees for the full group insurance benefits. You may also designate each other as beneficiary. However, you can not select Dependent life insurance coverage for each other, as the Trust Life policy prohibits coverage for Dependents who are already covered under the Trust life policy as Employees. If your family member works for the same hospital group but has not elected to enroll you may elect coverage for them as Dependents because they are not covered as participating employees in the Trust life policy.
Who should I contact to file a claim?
C.N.A. Benefit Trust 4160 Dublin Blvd; Suite 400 Dublin, CA 94568-7756 Ph (888) 454 – 4349 email : [email protected]
NOTE: The above is for informational purposes only. Specific plan details and definitions are found in your group life insurance policy issued by Mutual of Omaha.
Included in Participant Base Plan ($ per month membership):
- $350 Weekly Benefit after 30 days of disability
- Benefits are paid for up to 9 weeks, per disability
- Maternity covered, no offset for CA SDI (or other State Disability Plans) or Sick-Pay (up to 100% of Pre-Disability income)
- Pre-existing Conditions not covered for first 12 Months (Pregnancy is Not considered a Pre-existing Condition)
Included in Participant Base Plan ($ per month membership):
- $350 Weekly Benefit after 30 days of disability
- Benefits are paid for up to 22 weeks, per disability
- Maternity covered, no offset for CA SDI (or other State Disability Plans) or Sick-Pay (up to 100% of Pre-Disability income)
- Pre-existing Conditions not covered for first 6 Months (Pregnancy is Not considered a Pre-existing Condition)
- Group Voluntary Short-Term Disability Certificate Summary
Included in Participant Base Plan ($ per month membership):
- $200 Weekly Benefit after 30 days of disability
- Benefits are paid for up to 22 weeks, per disability
- Maternity covered, no offset for CA SDI (or other State Disability Plans) or Sick-Pay (up to 100% of Pre-Disability income)
- Pre-existing Conditions not covered for first 6 Months (Pregnancy is Not considered a Pre-existing Condition)
- Short-Term Disability Base Plan
Short Term Disability covered by employer. See employer HR for more details.
Optional Enhancement to Participant Membership Plan
- $200 Weekly Benefit after 30 days of disability
- Benefits are paid for up to 22 weeks, per disability
- Maternity covered, no offset for CA SDI (or other State Disability Plans) or Sick-Pay (up to 100% of Pre-Disability income)
- Pre-existing Conditions not covered for first 6 Months (Pregnancy is Not considered a Pre-existing Condition)
- Short-Term Disability Base Plan
Optional Enhancement to Participant Membership Plan
- 55% of weekly earnings up to $1,000 less other income benefits
- 7 day waiting period
- Benefits are paid up to 25 weeks, per disability
- Cost for this option is based on age and income
Optional Enhancement to Participant Membership Plan
Short-Term Disability Insurance - Weekly Benefit paid for up to 24 weeks after 14 days of waiting period:
- Short-Term Disability Base Plan $500 Weekly - $35.00 Additional Cost
- Short-Term Disability Base Plan $750 Weekly - $52.50 Additional Cost
- Short-Term Disability Base Plan $1000 Weekly - $70.00 Additional Cost
- Maternity covered
- Benefits paid in addition to Sick-Pay up to 100% of Pre-Disability earnings
What does Elimination Period mean?
A period of continuous Total or Partial Disability which must be satisfied before You are eligible to receive benefits. No benefits are payable during this “waiting period”. Your policy’s elimination period is 30 days for the Base Plan and 14 days if you elect the Enhanced STD plan.
Do I have to wait until my Elimination Period is over to submit a claim for disability benefits under this plan?
No once your attending physician provides verification you are Totally or Partially disabled you may submit claim forms for processing. Approved claim benefit amounts will become payable after the Elimination Period has been satisfied.
Can I submit more than one claim within a year for the same disability?
Yes. If you receive Total or Partial Disability benefits under the policy and return to your regular job on a full-time basis for less than 30 days, the disability will be treated as part of the prior disability. Benefits will be paid up to the maximum benefit period allowed. If your return to work for 30 days or more a Recurrent Disability will be treated as a new period of Total or Partial Disability and you must satisfy another Elimination period prior to receiving benefits.
Can I receive this benefit if I am receiving sick pay or state disability benefits?
Yes. You may receive benefits under the group disability plan in addition to payments you receive from sick pay or benefits you are eligible to receive from state disability up to 100% of Pre-Disability income. Short term disability payments are a flat amount paid to all eligible claimants.
Is there a Maternity benefit under the short term disability plan?
Yes, maternity is a covered benefit. 6 weeks is automatically approved for maternity, but longer durations can be approved if your Physician determines that you are unable to return to work after 6 weeks, or need to stop working prior to your delivery date.
Are there any limitations for Pre-Existing Conditions?
For the first 6 months of coverage, pre-existing conditions are not covered. After 6 months that condition(s) will be covered just like any other disability. All other disabilities are covered immediately on the effective date of coverage, provided you are actively at work on the effective date. (otherwise coverage begins the first day you return to work in a benefitted position).
With the exception of pregnancy, any condition diagnosed or treated within 3 months prior to the effective date is considered for Pre-existing Condition. Pregnancy is NOT considered a Pre-existing Condition, and Maternity is covered immediately.
Can I file for disability benefit payments directly through the Plan insurance carrier to expedite my payment?
You must submit claim requests through the Trust Plan administrative office if you are filing a group insurance claim under the C.N.A. Benefit Trust plan. Enrollment and premium payment records are maintained only at the Trust Administrative office (not your employer). Your claim cannot be properly processed without verification of eligibility from the administrative office. Submitting claim without notifying the Plan Administrator will result in lengthy claim processing delays. Contact the Trust Administrative office 888.454.4349 or email [email protected] to obtain the correct forms.
Who should I contact to file a claim?
C.N.A. Benefit Trust 4160 Dublin Blvd; Suite 400 Dublin, CA 94568-7756 Ph (888) 454 – 4349 [email protected].
NOTE: The above is for informational purposes only. Specific plan details and definitions are found in your group disability insurance policy issued by Mutual of Omaha.
Included in Participant Base Plan ($ per month membership):
- $5,000 Lump Sum Benefit paid upon Diagnosis of Critical Illness
- $5,000 paid per Category, up to a Lifetime Maximum of $15,000
- Cancer Category - Invasive Cancer, Bone Marrow Transplant, Carcinoma in Situ, Benign Brain Tumor
- Organ - Acute Respiratory Distress Syndrome, Major Organ Transplant, Placement on UNOS List, End-Stage Renal Failure
- Heart and Circulatory - Heart Attack, Stroke, Transplant, Heart Valve / Aortic Surgery, Coronary Artery Bypass
- Pre-existing conditions only excluded for the first 12 months
- Recurrence benefit of $2,500 if separated by 12 months
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Critical Illness Benefit Summary
If I have been diagnosed with condition listed on one of the critical illness categories. Can I file a claim for both Trust Plan disability and critical illness for the same condition? If yes, will I have to file separate claims for each benefit?
Yes. You will need to submit two separate claims, and will need to contact the Trust Plan administrative office to file the claims.
Are Family members eligible to sign up for Trust Plan critical illness coverage?
No, coverage is only for Members.
Can I submit a claim for Trust Critical Illness if I was both diagnosed and chose to receive treatment outside of the United States?
No, the Diagnosis must be made in the United States.
Where can I obtain a complete list of the Critical Illness’ covered under the group policy?
You will find the complete list of 14 covered conditions under the Critical Illness Summary section. You will find a link to view and print the Mutual of Omaha benefit summary.
I am currently on a medical leave of absence for a diagnosed illness listed in the Plan categories. Can I file a claim for retro active payment if I am still on medical leave of absence related to this diagnosis listed in the Plan categories after the effective date?
No, coverage begins 6/1 for members who enroll in February. Only newly diagnosed illnesses as of that date or a later date will be covered. Also, Pre-existing Conditions are excluded for the first 12 months of coverage.
Review or Change Current Coverage Now
After reviewing plans, you can select a plan to get started and begin the application process. During the application process you will be asked personal information including some questions on your medical history.
