COLUMBIA COLLEGE
Dental Benefit Summary
Group Number: 00463298
About Your Benefits:
A visit to your dentist can help you keep a great smile and prevent many health issues. But dental care can be costly and you can be
faced with unforeseen expenses. Did you know, a crown can cost as much as $1,4001? Guardian dental insurance will help you pay
for it. With access to one of the largest network of dental providers in the country, who agreed to charge negotiated fees for their
services of up to 30% less than average charges in the same community, you will benefit from lower out-of-pocket costs, quality care
from screened and reviewed dentist, no claim forms to file, and excellent customer service. Enroll today and smile next time you see
your dentist!
1
http://health.costhelper.com/dental-crown.html.
With your PPO plan, you can visit any dentist; but you pay less out-of-pocket when you choose a PPO dentist.
Your Dental Plan
PPO
Your Network is
DentalGuard Preferred
Calendar year deductible
Individual
Family limit
Waived for
In-Network
Out-of-Network
$50
$50
3 per family
Preventive
Preventive
Charges covered for you (co-insurance)
Preventive Care
Basic Care
Major Care
Orthodontia
In-Network
100%
80%
50%
50%
Out-of-Network
100%
80%
50%
50%
Annual Maximum Benefit
$1000
$1000
Maximum Rollover
Rollover Threshold
Rollover Amount
Rollover In-network Amount
Rollover Account Limit
Yes
$500
$250
$350
$1000
Lifetime Orthodontia Maximum
$1500
Dependent Age Limits
Planholder Determines
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
1
A Sample of Services Covered by Your Plan:
Preventive Care
Cleaning (prophylaxis)
Frequency:
Fluoride Treatments
Limits:
Oral Exams
Sealants (per tooth)
X-rays
PPO
Plan pays (on average)
In-network
Out-of-network
100%
100%
Once Every 6 Months
100%
100%
Under Age 14
100%
100%
100%
100%
100%
100%
Basic Care
Fillings‡
80%
Perio Surgery
Periodontal Maintenance
Frequency:
80%
80%
Root Canal
Scaling & Root Planing (per quadrant)
Simple Extractions
Surgical Extractions
80%
80%
80%
80%
80%
80%
80%
Once Every 6 Months
(Enhanced)
80%
80%
80%
80%
Major Care
Anesthesia*
50%
50%
Bridges and Dentures
50%
50%
Dental Implants
50%
50%
Inlays, Onlays, Veneers**
50%
50%
Repair & Maintenance of
50%
50%
Crowns, Bridges & Dentures
Single Crowns
50%
50%
Orthodontia
Orthodontia
50%
50%
Limits:
Adults & Child(ren)
This is only a partial list of dental services. Your certificate of benefits will show exactly what is covered and excluded. **For PPO and
or Indemnity members, Crowns, Inlays, Onlays and Labial Veneers are covered only when needed because of decay or injury or other
pathology when the tooth cannot be restored with amalgam or composite filing material. When Orthodontia coverage is for
"Child(ren)" only, the orthodontic appliance must be placed prior to the age limit set by your plan; If full-time status is required by
your plan in order to remain insured after a certain age; then orthodontic maintenance may continue as long as full-time student status
is maintained. If Orthodontia coverage is for "Adults and Child(ren)" this limitation does not apply. The total number of cleanings and
periodontal maintenance procedures are combined in a 12 month period. *General Anesthesia – restrictions apply. ‡For PPO and or
Indemnity members, Fillings – restrictions may apply to composite fillings.
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist,
your paycheck stub prevails.
Manage Your Benefits:
Find A Dentist:
Go to www.GuardianAnytime.com to access secure information
about your Guardian benefits including access to an image of your
ID Card. Your on-line account will be set up within 30 days after
your plan effective date..
Visit www.GuardianAnytime.com
Click on “Find A Provider”; You will need to know your plan
and dental network, which can be found on the first page of
your dental benefit summary.
EXCLUSIONS AND LIMITATIONS
n Important Information about Guardian’s DentalGuard Indemnity and
DentalGuard Preferred PPO plans: This policy provides dental insurance only.
Coverage is limited to those charges that are necessary to prevent, diagnose or
treat dental disease, defect, or injury. Deductibles apply. The plan does not pay
for: oral hygiene services (except as covered under preventive services),
orthodontia (unless expressly provided for), cosmetic or experimental
treatments (unless they are expressly provided for), any treatments to the
extent benefits are payable by any other payor or for which no charge is made,
prosthetic devices unless certain conditions are met, and services ancillary to
surgical treatment. The plan limits benefits for diagnostic consultations and for
preventive, restorative, endodontic, periodontic, and prosthodontic services.
The services, exclusions and limitations listed above do not constitute a
contract and are a summary only. The Guardian plan documents are the final
arbiter of coverage. Contract # GP-1-DG2000 et al.
n PPO and or Indemnity Special Limitation: Teeth lost or missing before a
covered person becomes insured by this plan. A covered person may have one or
more congenitally missing teeth or have lost one or more teeth before he became
insured by this plan. We won’t pay for a prosthetic device which replaces such teeth
unless the device also replaces one or more natural teeth lost or extracted after the
covered person became insured by this plan. R3 – DG2000
2
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Dental Maximum Rollover

Save Your Unused Claims Dollars For When You Need Them Most
Guardian will roll over a portion of your unused annual maximum into your personal Maximum Rollover Account
(MRA). If you reach your Plan Annual Maximum in future years, you can use money from your MRA. To qualify for an
MRA, you must have a paid claim (not just a visit) and must not have exceeded the paid claims threshold during the
benefit year. Your MRA may not exceed the MRA limit. You can view your annual MRA statement detailing your
account and those of your dependents on www.GuardianAnytime.com.
Please note that actual maximum limitations and thresholds vary by plan. Your plan may vary from the one used below
as an example to illustrate how the Maximum Rollover functions.
Plan Annual
Maximum*
$1000
Maximum claims
reimbursement
Threshold
Maximum Rollover Amount
$500
$250
Claims amount that
determines rollover
eligibility
Additional dollars added to
Plan Annual Maximum for
future years
In-Network Only Rollover
Amount
$350
Maximum Rollover
Account Limit
$1000
Additional dollars added to
Plan Annual Maximum for
future years if only in-network
providers were used during the
benefit year
Plan Annual Maximum
plus Maximum Rollover
cannot exceed $2,000 in
total
* If a plan has a different annual maximum for PPO benefits vs. non-PPO benefits, ($1500 PPO/$1000 non-PPO for example) the non-PPO maximum determines the Maximum
Rollover plan.
Here’s how the benefits work:
YEAR ONE: Jane starts with a $1,000 Plan Annual Maximum. She
submits $150 in dental claims. Since she did not reach the $500
Threshold, she receives a $250 rollover that will be applied to Year
Two.
YEAR TWO: Jane now has an increased Plan Annual Maximum of
$1,250. This year, she submits $50 in claims and receives an
additional $250 rollover added to her Plan Annual Maximum.
YEAR THREE: Jane now has an increased Plan Annual Maximum of
$1,500. This year, she submits $1,200 in claims. All claims are paid
due to the amount accumulated in her Maximum Rollover Account.
YEAR FOUR: Jane’s Plan Annual Maximum is $1,300 ($1,000 Plan
Annual Maximum + $300 remaining in her Maximum Rollover
Account).
For Overview of your Dental Benefits, please see About Your Benefit Section of this Enrollment Booklet.
NOTES:
You and your insured dependents maintain separate MRAs based on your own claim activity. Each MRA may not exceed the MRA limit.
Cases on either a calendar year or policy year accumulation basis qualify for the Maximum Rollover feature. For calendar year cases with an effective date in October, November
or December, the Maximum Rollover feature starts as of the first full benefit year. For example, if a plan starts in November of 2013, the claim activity in 2014 will be used and
applied to MRAs for use in 2015.
Under either benefit year set up (calendar year or policy year), Maximum Rollover for new entrants joining with 3 months or less remaining in the benefit year, will not begin until
the start of the next full benefit year. Maximum Rollover is deferred for members who have coverage of Major services deferred. For these members, Maximum Rollover starts
when coverage of Major services starts, or the start of the next benefit year if 3 months or less remain until the next benefit year. (Actual eligibility timeframe may vary. See your
Plan Details for the most accurate information.)
Guardian's Dental Insurance is underwritten and issued by The Guardian Life Insurance Company of America or its subsidiaries, New York, NY. Products are not available in all
states. Policy limitations and exclusions apply.
Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage.
Policy Form #GP-1-DG2000, et al.
3
4
Finding a dentist or vision care provider is easy
Go online – it just takes minutes!
The best way to save money through your dental or vision plan is by seeing a provider in
your plan’s network. Guardian’s Find a Provider site makes it easy for you to search for a
dental or vision provider meets your needs.
Guardian’s Find a Provider site is available to you 24 hours a day, 7 days a week.
Here are just a few things you can do online:
• Customize your search by specialty, languages spoken and more
• Get side-by-side comparisons of provider information (ie. office status, distance)
• Create a quick-list of “favorite” providers — for easy reference online
• Get maps and directions to a providers office location
• View your results online or have them faxed or emailed to you
• Save your search criteria for easy access when you revisit the site
• Create a customized provider directory
• Nominate a dentist to be included in a network
Just go to www.GuardianAnytime.com and click on “Find a Provider”. You can
also find a provider on the go from your smart phone – simply download our app.
5
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6
COLUMBIA COLLEGE
Vision Benefit Summary
Group Number: 00463298
About Your Benefits:
Eye care is a vital component of a healthy lifestyle. With vision insurance, having regular exams and purchasing contacts or glasses is
simple and affordable. The coverage is inexpensive, yet the benefits can be significant! Guardian provides rich, flexible plans that
allow you to safeguard your health while saving you money. Review your plan options and see why vision insurance may be a great
benefit for you.
Visit any doctor with your Full Feature plan, but save by visiting any of the 50,000+ locations in the nation's largest vision
network.
Your Vision Plan
Full Feature‡
Your Network is
VSP Network Signature Plan
Your Semi-monthly premium
$ 6.66
You and spouse/domestic partner
$ 10.65
You and child(ren)
$ 10.88
You, spouse/domestic partner and child(ren)
$ 17.53
Copay
Copay (applies to first service provided; exams or materials)
$ 20
Sample of Covered Services
You pay (after copay if applicable):
In-network
Out-of-network
Eye Exams
$0
Amount over $50
Single Vision Lenses
$0
Amount over $48
Lined Bifocal Lenses
$0
Amount over $67
Lined Trifocal Lenses
$0
Amount over $86
Lenticular Lenses
$0
Amount over $126
Frames
80% of amount over $130
Amount over $48
Contact Lenses (Elective)
Amount over $130
Amount over $130
Contact Lenses (Medically Necessary)
$0
Amount over $210
Contact Lenses (Evaluation and fitting)
15% off UCR
No discounts
Cosmetic Extras
Avg. 30% off retail price
No discounts
Glasses (Additional pair of frames and lenses)
20% off retail price^
No discounts
Laser Correction Surgery Discount
Up to 15% off the usual charge or 5% No discounts
off promotional price
Service Frequencies
Exams
Every calendar year
Lenses (for glasses or contact lenses)‡‡
Every calendar year
Frames
Every calendar year
Network discounts (cosmetic extras, glasses and contact lens
professional service)
Limitless within 12 months of exam.
Dependent Age Limits
26
‡Please note your plan has a two year lock in/out period.
‡‡Benefit includes coverage for glasses or contact lenses, not both.
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
7
This is only a partial list of vision services. Your certificate of benefits will show exactly what is covered and excluded.
^ For the discount to apply your purchase must be made within 12 months of the eye exam. In addition Full-Feature plans offer 30% off additional prescription glasses and
nonprescription sunglasses, including lens options, if purchased on the same day as the eye exam from the same VSP doctor who provided the exam.
For VSP, only charges for an initial purchase can be used toward the material allowance. Any unused balance remaining after the initial purchase cannot be banked
for future use. The only exception would be if a member purchases contact lenses from an out of network provider, members can use the balance towards
additional contact lenses within the same benefit period.
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, your
paycheck stub prevails.
Manage Your Benefits:
Find A Vision Provider
Go to www.GuardianAnytime.com to access secure
information about your Guardian benefits including access to
an image of your ID Card. Your on-line account will be set up
within 30 days after your plan effective date.
Visit www.GuardianAnytime.com
Click on “Find A Provider”; You will need to know your plan
and vision network, which can be found on the first page of
your vision benefit summary.
EXCLUSIONS AND LIMITATIONS
Important Information: This policy provides vision care limited benefits health
insurance only. It does not provide basic hospital, basic medical or major
medical insurance as defined by the New York State Insurance Department.
Coverage is limited to those charges that are necessary for a routine vision
examination. Co-pays apply. The plan does not pay for: orthoptics or vision
training and any associated supplemental testing; medical or surgical treatment
of the eye; and eye examination or corrective eyewear required by an
employer as a condition of employment; replacement of lenses and frames
that are furnished under this plan, which are lost or broken (except at normal
intervals when services are otherwise available or a warranty exists). The plan
limits benefits for blended lenses, oversized lenses, photochromic lenses,
tinted lenses, progressive multifocal lenses, coated or laminated lenses, a
frame that exceeds plan allowance, cosmetic lenses; U-V protected lenses and
optional cosmetic processes.
The services, exclusions and limitations listed above do not constitute a
contract and are a summary only. The Guardian plan documents are the final
arbiter of coverage. Contract #GP-1-VSN-96-VIS et al.
Laser Correction Surgery:
On average, 15% off the usual charge or 5% off promotional price for vision
laser surgery. Members’ out-of-pocket costs are limited to $1,800 per eye for
LASIK and $1,500 per eye for PRK.
Laser surgery is not an insured benefit. The surgery is available at a discounted
fee. The covered person must pay the entire discounted fee. In addition, the
laser surgery discount may not be available in all states.
8
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
COLUMBIA COLLEGE
Life Benefit Summary
Group Number: 00463298
About Your Benefits:
Your family depends on you in many ways and you’ve worked hard to ensure their financial security. But if something happened to
you, will your family be protected? Will your loved ones be able to stay in their home, pay bills, and prepare for the future. Life
insurance provides a financial benefit that your family can depend on. And getting it at work is easier, more convenient and more
affordable than doing it on your own. If you have financial dependents- a spouse, children or aging parents, having life insurance is a
responsible and a smart decision. Enroll today to secure their future!
What Your Benefits Cover:
BASIC LIFE
VOLUNTARY TERM LIFE
Employee Benefit
Your employer provides Basic Life
Coverage for all full time
employees in the amount of 200%
of your annual salary, to a
maximum of $250,000 with a
minimum amount of $10,000.
$10,000 increments to a
maximum of $500,000. See Cost
Illustration page for details.
Accidental Death and Dismemberment
Your Basic Life coverage includes
Accidental Death and
Dismemberment coverage equal
to one times the employee's life
benefits.
Employee, Spouse & Child(ren)
coverage. Maximum 1 times life
amount.
Spouse/Domestic Partner‡ Benefit
N/A
$5,000 increments to a maximum
of $250,000. See Cost Illustration
page for details.
Child Benefit
N/A
Your dependent children age 14
days to 26 years.
You may elect one of the
following benefit options: $1,000,
$5,000, $10,000. Subject to state
limits. See Cost Illustration page
for details.
Guarantee Issue: The ‘guarantee’ means you are not required to
answer health questions to qualify for coverage up to and including
the specified amount, when you sign up for coverage during the initial
enrollment period.
Underwriting may be required,
depending on amount and/or age
We Guarantee Issue coverage up
to:
Employee $150,000.
Spouse $50,000.
Dependent children $10,000.
Premiums
Covered by your company if you
meet eligibility requirements
Increase on plan anniversary after
you enter next five-year age
group
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
9
BASIC LIFE
VOLUNTARY TERM LIFE
Portability: Allows you to take your coverage with you if you
terminate employment.
Yes, with age and other
restrictions, including evidence of
insurability
Yes, with age and other
restrictions
Conversion: Allows you to continue your coverage after your group
plan has terminated.
Yes, with restrictions; see
certificate of benefits
Yes, with restrictions; see
certificate of benefits
Accelerated Life Benefit: A lump sum benefit is paid to you if you
are diagnosed with a terminal condition, as defined by the plan.
Yes
Yes
Waiver of Premiums: Premium will not need to be paid if you are
totally disabled.
For employees disabled prior to
age 60, with premiums waived
until age 65, if conditions are met
For employees disabled prior to
age 60, with premiums waived
until age 65, if conditions met
Benefit Reductions: Benefits are reduced by a certain percentage as
an employee ages.
50% at age 70
35% at age 65, 60% at age 70, 75%
at age 75, 85% at age 80
Subject to coverage limits
‡
Spouse coverage terminates at age 70.
Manage Your Benefits:
Go to www.GuardianAnytime.com to access secure information about
your Guardian benefits. Your on-line account will be set up within 30
days after your plan effective date.
10
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Voluntary Life Cost Illustration:
To determine the most appropriate level of coverage, as a rule of thumb, you should consider about 6 - 10 times your annual income,
factoring in projected costs to help maintain your family’s current life style. To help you assess your needs, you can also go to
Guardian Anytime and use our Life Insurance Explorer Tool.
Policy Election Amount
Employee
< 30
Semi-monthly premiums displayed. Cost of AD&D is included.
Policy Election Cost Per Age Bracket
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69†
$20,000
Preferred
Standard
$1.20
$1.80
$1.30
$1.90
$1.60
$2.40
$2.30
$3.60
$3.10
$6.20
$4.80
$9.70
$8.00
$17.20
$12.30
$20.90
$19.10
$33.30
$30,000
Preferred
Standard
$1.80
$2.70
$1.95
$2.85
$2.40
$3.60
$3.45
$5.40
$4.65
$9.30
$7.20
$14.55
$12.00
$25.80
$18.45
$31.35
$28.65
$49.95
$40,000
Preferred
Standard
$2.40
$3.60
$2.60
$3.80
$3.20
$4.80
$4.60
$7.20
$6.20
$12.40
$9.60
$19.40
$16.00
$34.40
$24.60
$41.80
$38.20
$66.60
$50,000
Preferred
Standard
$3.00
$4.50
$3.25
$4.75
$4.00
$6.00
$5.75
$9.00
$7.75
$15.50
$12.00
$24.25
$20.00
$43.00
$30.75
$52.25
$47.75
$83.25
$60,000
Preferred
Standard
$3.60
$5.40
$3.90
$5.70
$4.80
$7.20
$6.90
$10.80
$9.30
$18.60
$14.40
$29.10
$24.00
$51.60
$36.90
$62.70
$57.30
$99.90
$70,000
Preferred
Standard
$4.20
$6.30
$4.55
$6.65
$5.60
$8.40
$8.05
$12.60
$10.85
$21.70
$16.80
$33.95
$28.00
$60.20
$43.05
$73.15
$66.85
$116.55
$80,000
Preferred
Standard
$4.80
$7.20
$5.20
$7.60
$6.40
$9.60
$9.20
$14.40
$12.40
$24.80
$19.20
$38.80
$32.00
$68.80
$49.20
$83.60
$76.40
$133.20
$90,000
Preferred
Standard
$5.40
$8.10
$5.85
$8.55
$7.20
$10.80
$10.35
$16.20
$13.95
$27.90
$21.60
$43.65
$36.00
$77.40
$55.35
$94.05
$85.95
$149.85
$100,000
Preferred
Standard
$6.00
$9.00
$6.50
$9.50
$8.00
$12.00
$11.50
$18.00
$15.50
$31.00
$24.00
$48.50
$40.00
$86.00
$61.50
$104.50
$95.50
$166.50
$110,000
Preferred
Standard
$6.60
$9.90
$7.15
$10.45
$8.80
$13.20
$12.65
$19.80
$17.05
$34.10
$26.40
$53.35
$44.00
$94.60
$67.65
$114.95
$105.05
$183.15
$120,000
Preferred
Standard
$7.20
$10.80
$7.80
$11.40
$9.60
$14.40
$13.80
$21.60
$18.60
$37.20
$28.80
$58.20
$48.00
$103.20
$73.80
$125.40
$114.60
$199.80
$130,000
Preferred
Standard
$7.80
$11.70
$8.45
$12.35
$10.40
$15.60
$14.95
$23.40
$20.15
$40.30
$31.20
$63.05
$52.00
$111.80
$79.95
$135.85
$124.15
$216.45
$140,000
Preferred
Standard
$8.40
$12.60
$9.10
$13.30
$11.20
$16.80
$16.10
$25.20
$21.70
$43.40
$33.60
$67.90
$56.00
$120.40
$86.10
$146.30
$133.70
$233.10
$150,000
Preferred
Standard
$9.00
$13.50
$9.75
$14.25
$12.00
$18.00
$17.25
$27.00
$23.25
$46.50
$36.00
$72.75
$60.00
$129.00
$92.25
$156.75
$143.25
$249.75
$160,000
Preferred
Standard
$9.60
$14.40
$10.40
$15.20
$12.80
$19.20
$18.40
$28.80
$24.80
$49.60
$38.40
$77.60
$64.00
$137.60
$98.40
$167.20
$152.80
$266.40
$170,000
Preferred
Standard
$10.20
$15.30
$11.05
$16.15
$13.60
$20.40
$19.55
$30.60
$26.35
$52.70
$40.80
$82.45
$68.00
$146.20
$104.55
$177.65
$162.35
$283.05
$180,000
Preferred
Standard
$10.80
$16.20
$11.70
$17.10
$14.40
$21.60
$20.70
$32.40
$27.90
$55.80
$43.20
$87.30
$72.00
$154.80
$110.70
$188.10
$171.90
$299.70
$190,000
Preferred
Standard
$11.40
$17.10
$12.35
$18.05
$15.20
$22.80
$21.85
$34.20
$29.45
$58.90
$45.60
$92.15
$76.00
$163.40
$116.85
$198.55
$181.45
$316.35
$200,000
Preferred
Standard
$12.00
$18.00
$13.00
$19.00
$16.00
$24.00
$23.00
$36.00
$31.00
$62.00
$48.00
$97.00
$80.00
$172.00
$123.00
$209.00
$191.00
$333.00
$210,000
Preferred
Standard
$12.60
$18.90
$13.65
$19.95
$16.80
$25.20
$24.15
$37.80
$32.55
$65.10
$50.40
$101.85
$84.00
$180.60
$129.15
$219.45
$200.55
$349.65
$220,000
Preferred
Standard
$13.20
$19.80
$14.30
$20.90
$17.60
$26.40
$25.30
$39.60
$34.10
$68.20
$52.80
$106.70
$88.00
$189.20
$135.30
$229.90
$210.10
$366.30
$230,000
Preferred
Standard
$13.80
$20.70
$14.95
$21.85
$18.40
$27.60
$26.45
$41.40
$35.65
$71.30
$55.20
$111.55
$92.00
$197.80
$141.45
$240.35
$219.65
$382.95
11
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Voluntary Life Cost Illustration
continued
< 30
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69†
$240,000
Preferred
Standard
$14.40
$21.60
$15.60
$22.80
$19.20
$28.80
$27.60
$43.20
$37.20
$74.40
$57.60
$116.40
$96.00
$206.40
$147.60
$250.80
$229.20
$399.60
$250,000
Preferred
Standard
$15.00
$22.50
$16.25
$23.75
$20.00
$30.00
$28.75
$45.00
$38.75
$77.50
$60.00
$121.25
$100.00
$215.00
$153.75
$261.25
$238.75
$416.25
$260,000
Preferred
Standard
$15.60
$23.40
$16.90
$24.70
$20.80
$31.20
$29.90
$46.80
$40.30
$80.60
$62.40
$126.10
$104.00
$223.60
$159.90
$271.70
$248.30
$432.90
$270,000
Preferred
Standard
$16.20
$24.30
$17.55
$25.65
$21.60
$32.40
$31.05
$48.60
$41.85
$83.70
$64.80
$130.95
$108.00
$232.20
$166.05
$282.15
$257.85
$449.55
$280,000
Preferred
Standard
$16.80
$25.20
$18.20
$26.60
$22.40
$33.60
$32.20
$50.40
$43.40
$86.80
$67.20
$135.80
$112.00
$240.80
$172.20
$292.60
$267.40
$466.20
$290,000
Preferred
Standard
$17.40
$26.10
$18.85
$27.55
$23.20
$34.80
$33.35
$52.20
$44.95
$89.90
$69.60
$140.65
$116.00
$249.40
$178.35
$303.05
$276.95
$482.85
$300,000
Preferred
Standard
$18.00
$27.00
$19.50
$28.50
$24.00
$36.00
$34.50
$54.00
$46.50
$93.00
$72.00
$145.50
$120.00
$258.00
$184.50
$313.50
$286.50
$499.50
$310,000
Preferred
Standard
$18.60
$27.90
$20.15
$29.45
$24.80
$37.20
$35.65
$55.80
$48.05
$96.10
$74.40
$150.35
$124.00
$266.60
$190.65
$323.95
$296.05
$516.15
$320,000
Preferred
Standard
$19.20
$28.80
$20.80
$30.40
$25.60
$38.40
$36.80
$57.60
$49.60
$99.20
$76.80
$155.20
$128.00
$275.20
$196.80
$334.40
$305.60
$532.80
$330,000
Preferred
Standard
$19.80
$29.70
$21.45
$31.35
$26.40
$39.60
$37.95
$59.40
$51.15
$102.30
$79.20
$160.05
$132.00
$283.80
$202.95
$344.85
$315.15
$549.45
$340,000
Preferred
Standard
$20.40
$30.60
$22.10
$32.30
$27.20
$40.80
$39.10
$61.20
$52.70
$105.40
$81.60
$164.90
$136.00
$292.40
$209.10
$355.30
$324.70
$566.10
$350,000
Preferred
Standard
$21.00
$31.50
$22.75
$33.25
$28.00
$42.00
$40.25
$63.00
$54.25
$108.50
$84.00
$169.75
$140.00
$301.00
$215.25
$365.75
$334.25
$582.75
$360,000
Preferred
Standard
$21.60
$32.40
$23.40
$34.20
$28.80
$43.20
$41.40
$64.80
$55.80
$111.60
$86.40
$174.60
$144.00
$309.60
$221.40
$376.20
$343.80
$599.40
$370,000
Preferred
Standard
$22.20
$33.30
$24.05
$35.15
$29.60
$44.40
$42.55
$66.60
$57.35
$114.70
$88.80
$179.45
$148.00
$318.20
$227.55
$386.65
$353.35
$616.05
$380,000
Preferred
Standard
$22.80
$34.20
$24.70
$36.10
$30.40
$45.60
$43.70
$68.40
$58.90
$117.80
$91.20
$184.30
$152.00
$326.80
$233.70
$397.10
$362.90
$632.70
$390,000
Preferred
Standard
$23.40
$35.10
$25.35
$37.05
$31.20
$46.80
$44.85
$70.20
$60.45
$120.90
$93.60
$189.15
$156.00
$335.40
$239.85
$407.55
$372.45
$649.35
$400,000
Preferred
Standard
$24.00
$36.00
$26.00
$38.00
$32.00
$48.00
$46.00
$72.00
$62.00
$124.00
$96.00
$194.00
$160.00
$344.00
$246.00
$418.00
$382.00
$666.00
$410,000
Preferred
Standard
$24.60
$36.90
$26.65
$38.95
$32.80
$49.20
$47.15
$73.80
$63.55
$127.10
$98.40
$198.85
$164.00
$352.60
$252.15
$428.45
$391.55
$682.65
$420,000
Preferred
Standard
$25.20
$37.80
$27.30
$39.90
$33.60
$50.40
$48.30
$75.60
$65.10
$130.20
$100.80
$203.70
$168.00
$361.20
$258.30
$438.90
$401.10
$699.30
$430,000
Preferred
Standard
$25.80
$38.70
$27.95
$40.85
$34.40
$51.60
$49.45
$77.40
$66.65
$133.30
$103.20
$208.55
$172.00
$369.80
$264.45
$449.35
$410.65
$715.95
$440,000
Preferred
Standard
$26.40
$39.60
$28.60
$41.80
$35.20
$52.80
$50.60
$79.20
$68.20
$136.40
$105.60
$213.40
$176.00
$378.40
$270.60
$459.80
$420.20
$732.60
$450,000
Preferred
Standard
$27.00
$40.50
$29.25
$42.75
$36.00
$54.00
$51.75
$81.00
$69.75
$139.50
$108.00
$218.25
$180.00
$387.00
$276.75
$470.25
$429.75
$749.25
$460,000
Preferred
Standard
$27.60
$41.40
$29.90
$43.70
$36.80
$55.20
$52.90
$82.80
$71.30
$142.60
$110.40
$223.10
$184.00
$395.60
$282.90
$480.70
$439.30
$765.90
12
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Voluntary Life Cost Illustration
continued
< 30
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69†
$470,000
Preferred
Standard
$28.20
$42.30
$30.55
$44.65
$37.60
$56.40
$54.05
$84.60
$72.85
$145.70
$112.80
$227.95
$188.00
$404.20
$289.05
$491.15
$448.85
$782.55
$480,000
Preferred
Standard
$28.80
$43.20
$31.20
$45.60
$38.40
$57.60
$55.20
$86.40
$74.40
$148.80
$115.20
$232.80
$192.00
$412.80
$295.20
$501.60
$458.40
$799.20
$490,000
Preferred
Standard
$29.40
$44.10
$31.85
$46.55
$39.20
$58.80
$56.35
$88.20
$75.95
$151.90
$117.60
$237.65
$196.00
$421.40
$301.35
$512.05
$467.95
$815.85
$500,000
Preferred
Standard
$30.00
$45.00
$32.50
$47.50
$40.00
$60.00
$57.50
$90.00
$77.50
$155.00
$120.00
$242.50
$200.00
$430.00
$307.50
$522.50
$477.50
$832.50
$5,000
Preferred
Standard
$.30
$.13
$.33
$.48
$.40
$.60
$.58
$.90
$.78
$1.55
$1.20
$2.43
$2.00
$4.30
$3.08
$5.23
$4.78
$8.33
$10,000
Preferred
Standard
$.60
$.25
$.65
$.95
$.80
$1.20
$1.15
$1.80
$1.55
$3.10
$2.40
$4.85
$4.00
$8.60
$6.15
$10.45
$9.55
$16.65
$15,000
Preferred
Standard
$.90
$.38
$.98
$1.43
$1.20
$1.80
$1.73
$2.70
$2.33
$4.65
$3.60
$7.28
$6.00
$12.90
$9.23
$15.68
$14.33
$24.98
$20,000
Preferred
Standard
$1.20
$.50
$1.30
$1.90
$1.60
$2.40
$2.30
$3.60
$3.10
$6.20
$4.80
$9.70
$8.00
$17.20
$12.30
$20.90
$19.10
$33.30
$25,000
Preferred
Standard
$1.50
$.63
$1.63
$2.38
$2.00
$3.00
$2.88
$4.50
$3.88
$7.75
$6.00
$12.13
$10.00
$21.50
$15.38
$26.13
$23.88
$41.63
$30,000
Preferred
Standard
$1.80
$.75
$1.95
$2.85
$2.40
$3.60
$3.45
$5.40
$4.65
$9.30
$7.20
$14.55
$12.00
$25.80
$18.45
$31.35
$28.65
$49.95
$35,000
Preferred
Standard
$2.10
$.88
$2.28
$3.33
$2.80
$4.20
$4.03
$6.30
$5.43
$10.85
$8.40
$16.98
$14.00
$30.10
$21.53
$36.58
$33.43
$58.28
$40,000
Preferred
Standard
$2.40
$1.00
$2.60
$3.80
$3.20
$4.80
$4.60
$7.20
$6.20
$12.40
$9.60
$19.40
$16.00
$34.40
$24.60
$41.80
$38.20
$66.60
$45,000
Preferred
Standard
$2.70
$1.13
$2.93
$4.28
$3.60
$5.40
$5.18
$8.10
$6.98
$13.95
$10.80
$21.83
$18.00
$38.70
$27.68
$47.03
$42.98
$74.93
$50,000
Preferred
Standard
$3.00
$1.25
$3.25
$4.75
$4.00
$6.00
$5.75
$9.00
$7.75
$15.50
$12.00
$24.25
$20.00
$43.00
$30.75
$52.25
$47.75
$83.25
$55,000
Preferred
Standard
$3.30
$1.38
$3.58
$5.23
$4.40
$6.60
$6.33
$9.90
$8.53
$17.05
$13.20
$26.68
$22.00
$47.30
$33.83
$57.48
$52.53
$91.58
$60,000
Preferred
Standard
$3.60
$1.50
$3.90
$5.70
$4.80
$7.20
$6.90
$10.80
$9.30
$18.60
$14.40
$29.10
$24.00
$51.60
$36.90
$62.70
$57.30
$99.90
$65,000
Preferred
Standard
$3.90
$1.63
$4.23
$6.18
$5.20
$7.80
$7.48
$11.70
$10.08
$20.15
$15.60
$31.53
$26.00
$55.90
$39.98
$67.93
$62.08
$108.23
$70,000
Preferred
Standard
$4.20
$1.75
$4.55
$6.65
$5.60
$8.40
$8.05
$12.60
$10.85
$21.70
$16.80
$33.95
$28.00
$60.20
$43.05
$73.15
$66.85
$116.55
$75,000
Preferred
Standard
$4.50
$1.88
$4.88
$7.13
$6.00
$9.00
$8.63
$13.50
$11.63
$23.25
$18.00
$36.38
$30.00
$64.50
$46.13
$78.38
$71.63
$124.88
$80,000
Preferred
Standard
$4.80
$2.00
$5.20
$7.60
$6.40
$9.60
$9.20
$14.40
$12.40
$24.80
$19.20
$38.80
$32.00
$68.80
$49.20
$83.60
$76.40
$133.20
$85,000
Preferred
Standard
$5.10
$2.13
$5.53
$8.08
$6.80
$10.20
$9.78
$15.30
$13.18
$26.35
$20.40
$41.23
$34.00
$73.10
$52.28
$88.83
$81.18
$141.53
$90,000
Preferred
Standard
$5.40
$2.25
$5.85
$8.55
$7.20
$10.80
$10.35
$16.20
$13.95
$27.90
$21.60
$43.65
$36.00
$77.40
$55.35
$94.05
$85.95
$149.85
Policy Election Amount
Spouse/DP
13
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Voluntary Life Cost Illustration
continued
< 30
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69†
$95,000
Preferred
Standard
$5.70
$2.38
$6.18
$9.03
$7.60
$11.40
$10.93
$17.10
$14.73
$29.45
$22.80
$46.08
$38.00
$81.70
$58.43
$99.28
$90.73
$158.18
$100,000
Preferred
Standard
$6.00
$2.50
$6.50
$9.50
$8.00
$12.00
$11.50
$18.00
$15.50
$31.00
$24.00
$48.50
$40.00
$86.00
$61.50
$104.50
$95.50
$166.50
$105,000
Preferred
Standard
$6.30
$2.63
$6.83
$9.98
$8.40
$12.60
$12.08
$18.90
$16.28
$32.55
$25.20
$50.93
$42.00
$90.30
$64.58
$109.73
$100.28
$174.83
$110,000
Preferred
Standard
$6.60
$2.75
$7.15
$10.45
$8.80
$13.20
$12.65
$19.80
$17.05
$34.10
$26.40
$53.35
$44.00
$94.60
$67.65
$114.95
$105.05
$183.15
$115,000
Preferred
Standard
$6.90
$2.88
$7.48
$10.93
$9.20
$13.80
$13.23
$20.70
$17.83
$35.65
$27.60
$55.78
$46.00
$98.90
$70.73
$120.18
$109.83
$191.48
$120,000
Preferred
Standard
$7.20
$3.00
$7.80
$11.40
$9.60
$14.40
$13.80
$21.60
$18.60
$37.20
$28.80
$58.20
$48.00
$103.20
$73.80
$125.40
$114.60
$199.80
$125,000
Preferred
Standard
$7.50
$3.13
$8.13
$11.88
$10.00
$15.00
$14.38
$22.50
$19.38
$38.75
$30.00
$60.63
$50.00
$107.50
$76.88
$130.63
$119.38
$208.13
$130,000
Preferred
Standard
$7.80
$3.25
$8.45
$12.35
$10.40
$15.60
$14.95
$23.40
$20.15
$40.30
$31.20
$63.05
$52.00
$111.80
$79.95
$135.85
$124.15
$216.45
$135,000
Preferred
Standard
$8.10
$3.38
$8.78
$12.83
$10.80
$16.20
$15.53
$24.30
$20.93
$41.85
$32.40
$65.48
$54.00
$116.10
$83.03
$141.08
$128.93
$224.78
$140,000
Preferred
Standard
$8.40
$3.50
$9.10
$13.30
$11.20
$16.80
$16.10
$25.20
$21.70
$43.40
$33.60
$67.90
$56.00
$120.40
$86.10
$146.30
$133.70
$233.10
$145,000
Preferred
Standard
$8.70
$3.63
$9.43
$13.78
$11.60
$17.40
$16.68
$26.10
$22.48
$44.95
$34.80
$70.33
$58.00
$124.70
$89.18
$151.53
$138.48
$241.43
$150,000
Preferred
Standard
$9.00
$3.75
$9.75
$14.25
$12.00
$18.00
$17.25
$27.00
$23.25
$46.50
$36.00
$72.75
$60.00
$129.00
$92.25
$156.75
$143.25
$249.75
$155,000
Preferred
Standard
$9.30
$3.88
$10.08
$14.73
$12.40
$18.60
$17.83
$27.90
$24.03
$48.05
$37.20
$75.18
$62.00
$133.30
$95.33
$161.98
$148.03
$258.08
$160,000
Preferred
Standard
$9.60
$4.00
$10.40
$15.20
$12.80
$19.20
$18.40
$28.80
$24.80
$49.60
$38.40
$77.60
$64.00
$137.60
$98.40
$167.20
$152.80
$266.40
$165,000
Preferred
Standard
$9.90
$4.13
$10.73
$15.68
$13.20
$19.80
$18.98
$29.70
$25.58
$51.15
$39.60
$80.03
$66.00
$141.90
$101.48
$172.43
$157.58
$274.73
$170,000
Preferred
Standard
$10.20
$4.25
$11.05
$16.15
$13.60
$20.40
$19.55
$30.60
$26.35
$52.70
$40.80
$82.45
$68.00
$146.20
$104.55
$177.65
$162.35
$283.05
$175,000
Preferred
Standard
$10.50
$4.38
$11.38
$16.63
$14.00
$21.00
$20.13
$31.50
$27.13
$54.25
$42.00
$84.88
$70.00
$150.50
$107.63
$182.88
$167.13
$291.38
$180,000
Preferred
Standard
$10.80
$4.50
$11.70
$17.10
$14.40
$21.60
$20.70
$32.40
$27.90
$55.80
$43.20
$87.30
$72.00
$154.80
$110.70
$188.10
$171.90
$299.70
$185,000
Preferred
Standard
$11.10
$4.63
$12.03
$17.58
$14.80
$22.20
$21.28
$33.30
$28.68
$57.35
$44.40
$89.73
$74.00
$159.10
$113.78
$193.33
$176.68
$308.03
$190,000
Preferred
Standard
$11.40
$4.75
$12.35
$18.05
$15.20
$22.80
$21.85
$34.20
$29.45
$58.90
$45.60
$92.15
$76.00
$163.40
$116.85
$198.55
$181.45
$316.35
$195,000
Preferred
Standard
$11.70
$4.88
$12.68
$18.53
$15.60
$23.40
$22.43
$35.10
$30.23
$60.45
$46.80
$94.58
$78.00
$167.70
$119.93
$203.78
$186.23
$324.68
$200,000
Preferred
Standard
$12.00
$5.00
$13.00
$19.00
$16.00
$24.00
$23.00
$36.00
$31.00
$62.00
$48.00
$97.00
$80.00
$172.00
$123.00
$209.00
$191.00
$333.00
$205,000
Preferred
Standard
$12.30
$5.13
$13.33
$19.48
$16.40
$24.60
$23.58
$36.90
$31.78
$63.55
$49.20
$99.43
$82.00
$176.30
$126.08
$214.23
$195.78
$341.33
14
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Voluntary Life Cost Illustration
continued
< 30
30–34
35–39
40–44
45–49
50–54
55–59
60–64
65–69†
$210,000
Preferred
Standard
$12.60
$5.25
$13.65
$19.95
$16.80
$25.20
$24.15
$37.80
$32.55
$65.10
$50.40
$101.85
$84.00
$180.60
$129.15
$219.45
$200.55
$349.65
$215,000
Preferred
Standard
$12.90
$5.38
$13.98
$20.43
$17.20
$25.80
$24.73
$38.70
$33.33
$66.65
$51.60
$104.28
$86.00
$184.90
$132.23
$224.68
$205.33
$357.98
$220,000
Preferred
Standard
$13.20
$5.50
$14.30
$20.90
$17.60
$26.40
$25.30
$39.60
$34.10
$68.20
$52.80
$106.70
$88.00
$189.20
$135.30
$229.90
$210.10
$366.30
$225,000
Preferred
Standard
$13.50
$5.63
$14.63
$21.38
$18.00
$27.00
$25.88
$40.50
$34.88
$69.75
$54.00
$109.13
$90.00
$193.50
$138.38
$235.13
$214.88
$374.63
$230,000
Preferred
Standard
$13.80
$5.75
$14.95
$21.85
$18.40
$27.60
$26.45
$41.40
$35.65
$71.30
$55.20
$111.55
$92.00
$197.80
$141.45
$240.35
$219.65
$382.95
$235,000
Preferred
Standard
$14.10
$5.88
$15.28
$22.33
$18.80
$28.20
$27.03
$42.30
$36.43
$72.85
$56.40
$113.98
$94.00
$202.10
$144.53
$245.58
$224.43
$391.28
$240,000
Preferred
Standard
$14.40
$6.00
$15.60
$22.80
$19.20
$28.80
$27.60
$43.20
$37.20
$74.40
$57.60
$116.40
$96.00
$206.40
$147.60
$250.80
$229.20
$399.60
$245,000
Preferred
Standard
$14.70
$6.13
$15.93
$23.28
$19.60
$29.40
$28.18
$44.10
$37.98
$75.95
$58.80
$118.83
$98.00
$210.70
$150.68
$256.03
$233.98
$407.93
$250,000
Preferred
Standard
$15.00
$6.25
$16.25
$23.75
$20.00
$30.00
$28.75
$45.00
$38.75
$77.50
$60.00
$121.25
$100.00
$215.00
$153.75
$261.25
$238.75
$416.25
$1,000
$0.12
$0.12
$0.12
$0.12
$0.12
$0.12
$0.12
$0.12
$0.12
$5,000
$0.58
$0.58
$0.58
$0.58
$0.58
$0.58
$0.58
$0.58
$0.58
$10,000
$1.16
$1.16
$1.16
$1.16
$1.16
$1.16
$1.16
$1.16
$1.16
Policy Election Amount
Child(ren)
Refer to Guarantee Issue row on page above for Voluntary Life GI amounts.
Premiums for Voluntary Life Increase in five-year increments
‡Spouse/DP coverage premium is based on Employee age. Coverage for the spouse terminates at spouse’s age 70.
†Benefit reductions apply.
Preferred rates apply to premium for non-tobacco usage and/or health history. Standard rates apply to premium for tobacco usage and/or health
history.
Manage Your Benefits:
Go to www.GuardianAnytime.com to access secure information about
your Guardian benefits. Your on-line account will be set up within 30
days after your plan effective date.
15
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
LIMITATIONS AND EXCLUSIONS:
A SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS FOR LIFE AND
AD&D COVERAGE:
You must be working full-time on the effective date of your coverage; otherwise, your
coverage becomes effective after you have completed a specific waiting period. Employees
must be legally working in the United States in order to be eligible for coverage.
Underwriting must approve coverage for employees on temporary assignment: (a)
exceeding one year; or (b) in an area under travel warning by the US Department of State.
Subject to state specific variations. Evidence of Insurability is required on all late enrollees.
This coverage will not be effective until approved by a Guardian underwriter. This proposal
is hedged subject to satisfactory financial evaluation. Please refer to certificate of coverage for
full plan description.
Dependent life insurance will not take effect if a dependent, other than a newborn, is
confined to the hospital or other health care facility or is unable to perform the normal
activities of someone of like age and sex.
Accelerated Life Benefit is not paid to an employee under the following circumstances: one
who is required by law to use the benefit to pay creditors; is required by court order to pay
the benefit to another person; is required by a government agency to use the payment to
receive a government benefit; or loses his or her group coverage before an accelerated
benefit is paid.
Voluntary Life Only:
We pay no benefits if the insured’s death is due to suicide within two years from the
insured’s original effective date. This two year limitation also applies to any increase in
benefit. This exclusion may vary according to state law. Late entrants and benefit increases
require underwriting approval.
GP-1-R-LB-90, GP-1-R-EOPT-96
Guarantee Issue/Conditional Issue amounts may vary based on age and case size. See your
Plan Administrator for details. Late entrants and benefit increases require underwriting
approval.
For AD&D: We pay no benefits for any loss caused: by willful self-injury; sickness, disease
or medical treatment; by participating in a civil disorder or committing a felony; Traveling
on any type of aircraft while having duties er on that aircraft; by declared or undeclared act
of war or armed aggression; while a member of any armed force (May vary by state); while
driving a motor vehicle without a current, valid driver’s license; by legal intoxication; or by
voluntarily using a non-prescription controlled substance. Contract #GP-1-R-ADCL1-00 et
al. We won't pay more than 100% of the Insurance amount for all losses due to the same
accident, except as stated. The loss must occur within a specified period of time of the
accident. Please see contract for specific definition; definition of loss may vary depending on
the benefit payable.
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, your paycheck
stub prevails.
16
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
COLUMBIA COLLEGE
Disability Benefit Summary
Group Number: 00463298
About Your Benefits:
You probably have insurance for your car or home, but what about the source of income that pays for it? You rely on your
paycheck for so many things, but what if you were suddenly unable to work due to an accident or illness? How will you put food
on the table, pay your mortgage or heat your home? Disability insurance can help replace lost income and make a difficult time a
little easier. Protect your most valuable asset, your paycheck-enroll today!
What Your Benefits Cover:
Short-Term Disability
Long-Term Disability
.
Coverage amount
Choose weekly benefit amount
from $200 to $1500. See cost
illustration page for weekly benefit
offerings.
60% of salary to maximum
$7500/month
Maximum payment period: Maximum length of time you can
receive disability benefits.
13 weeks
Social Security Normal Retirement
Age
Accident benefits begin: The length of time you must be
disabled before benefits begin.
Day 7
Day 91
Illness benefits begin: The length of time you must be disabled
before benefits begin.
Day 7
Day 91
Evidence of Insurability: A health statement requiring you to
answer a few medical history questions.
Health Statement not required
Health Statement may be required
Guarantee Issue: The ‘guarantee’ means you are not required to
answer health questions to qualify for coverage up to and including
the specified amount, when applicant signs up for coverage during
the initial enrollment period.
Not Applicable
We Guarantee Issue $7500 in
coverage
Minimum work hours/week: Minimum number of hours you
must regularly work each week to be eligible for coverage.
Planholder Determines
30
Pre-existing conditions: A pre-existing condition includes any
condition/symptom for which you, in the specified time period prior
to coverage in this plan, consulted with a physician, received
treatment, or took prescribed drugs.
3 months look back; 12 months
after 2 week limitation
3 months look back; 12 months
after exclusion
Premium waived if disabled: Premium will not need to be paid
when you are receiving benefits.
Yes
Yes
Survivor benefit: Additional benefit payable to your family if you
die while disabled.
No
3 months
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
17
UNDERSTANDING YOUR BENEFITS—DISABILITY (Some information may vary by state)
l
l
l
l
Disability (long-term): For first three years of disability, you will receive benefit payments while you are unable to work in
your own occupation. After three years, you will continue to receive benefits if you cannot work in any occupation based on
training, experience and education.
Earnings definition: Your covered salary excludes bonuses and commissions.
Special limitations: Provides a 24-month benefit limit for specific conditions including mental health and substance abuse.
Other conditions such as chronic fatigue are also included in this limitation. Refer to contract for details.
Work incentive: Plan benefit will not be reduced for a specified amount of months so that you have part-time earnings while
you remain disabled, unless the combined benefit and earnings exceed 100% of your previous earnings.
18
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Short-Term Disability Plan Semi-monthly Cost Illustration:
To determine the most appropriate level of coverage, you should consider your current basic monthly expenses. To help you assess
your needs, you can also go to Guardian Anytime and use our Disability Insurance Explorer Tool.
Election Cost Per Age Bracket
35–39 40–44 45–49
< 25
25–29
30–34
50–54
55–59
60+
$17,333 Minimum Annual Salary
$200 Weekly Benefit
$6.14
$6.14
$8.43
$5.92
$3.97
$3.74
$4.03
$4.49
$7.01
$26,000 Minimum Annual Salary
$300
$9.21
$9.21
$12.65
$8.88
$5.96
$5.61
$6.05
$6.74
$10.52
$34,667 Minimum Annual Salary
$400
$12.28
$12.28
$16.86
$11.84
$7.94
$7.48
$8.06
$8.98
$14.02
$43,333 Minimum Annual Salary
$500
$15.35
$15.35
$21.08
$14.80
$9.93
$9.35
$10.08
$11.23
$17.53
$52,000 Minimum Annual Salary
$600
$18.42
$18.42
$25.29
$17.76
$11.91
$11.22
$12.09
$13.47
$21.03
$60,667 Minimum Annual Salary
$700
$21.49
$21.49
$29.51
$20.72
$13.90
$13.09
$14.11
$15.72
$24.54
$69,333 Minimum Annual Salary
$800
$24.56
$24.56
$33.72
$23.68
$15.88
$14.96
$16.12
$17.96
$28.04
$78,000 Minimum Annual Salary
$900
$27.63
$27.63
$37.94
$26.64
$17.87
$16.83
$18.14
$20.21
$31.55
$86,667 Minimum Annual Salary
$1,000
$30.70
$30.70
$42.15
$29.60
$19.85
$18.70
$20.15
$22.45
$35.05
$95,333 Minimum Annual Salary
$1,100
$33.77
$33.77
$46.37
$32.56
$21.84
$20.57
$22.17
$24.70
$38.56
$104,000 Minimum Annual Salary
$1,200
$36.84
$36.84
$50.58
$35.52
$23.82
$22.44
$24.18
$26.94
$42.06
$112,667 Minimum Annual Salary
$1,300
$39.91
$39.91
$54.80
$38.48
$25.81
$24.31
$26.20
$29.19
$45.57
$121,333 Minimum Annual Salary
$1,400
$42.98
$42.98
$59.01
$41.44
$27.79
$26.18
$28.21
$31.43
$49.07
$130,000 Minimum Annual Salary
$1,500
$46.05
$46.05
$63.23
$44.40
$29.78
$28.05
$30.23
$33.68
$52.58
*This benefit may not exceed 60% of your weekly salary.
Manage Your Benefits:
Go to www.GuardianAnytime.com to access secure information
about your Guardian benefits. Your on-line account will be set up
within 30 days after your plan effective date.
19
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
A SUMMARY OF DISABILITY PLAN LIMITATIONS
AND EXCLUSIONS
n
n
n
n
n
n
Evidence of Insurability is required on all late enrollees. This coverage will
not be effective until approved by a Guardian underwriter. This proposal is
hedged subject to satisfactory financial evaluation. Please refer to certificate
of coverage for full plan description.
felony or taking part in any riot or other civil disorder or intentionally
injuring themselves or attempting suicide while sane or insane. We do not
pay benefits for charges relating to legal intoxication, including but not
limited to the operation of a motor vehicle, and for the voluntary use of any
poison, chemical, prescription or non-prescription drug or controlled
substance unless it has been prescribed by a doctor and is used as
prescribed. We limit the duration of payments for long term disabilities
caused by mental or emotional conditions, or alcohol or drug abuse. We do
not pay benefits during any period in which a covered person is confined to
a correctional facility, an employee is not under the care of a doctor, an
employee is receiving treatment outside of the US or Canada, and the
employee’s loss of earnings is not solely due to disability.
You must be working full-time on the effective date of your coverage;
otherwise, your coverage becomes effective after you have completed a
specific waiting period.
Employees must be legally working in the United States in order to be
eligible for coverage. Underwriting must approve coverage for employees on
temporary assignment: (a) exceeding one year; or (b) in an area under travel
warning by the US Department of State. Subject to state specific variations.
For Long-Term Disability coverage, we pay no benefits for a disability caused
or contributed to by a pre-existing condition unless the disability starts after
you have been insured under this plan for a specified period of time. We
limit the duration of payments for long term disabilities caused by mental or
emotional conditions, or alcohol or drug abuse.
For Short-Term Disability coverage, benefits for a disability caused or
contributed to by a pre-existing condition are limited, unless the disability
starts after you have been insured under this plan for a specified period of
time. We do not pay short term disability benefits for any job-related or
on-the-job injury, or conditions for which Workers' Compensation benefits
are payable.
n
n
n
This policy provides disability income insurance only. It does not provide
"basic hospital", "basic medical", or "medical" insurance as defined by the
New York State Insurance Department.
If this plan is transferred from another insurance carrier, the time an insured
is covered under that plan will count toward satisfying Guardian's
pre-existing condition limitation period. State variations may apply.
When applicable, this coverage will integrate with NJ TDB, NY DBL, CA
SDI, RI TDI, Hawaii TDI and Puerto Rico DBA.
Contract #.s GP-1-LTD94-A,B,C-1.0 et al.; GP-1-LTD2K-1.0 et al;
GP-1-LTD07-1.0 et al. Contract #.s GP-1-STD94-1.0 et al;
GP-1-STD2K-1.0 et al; , GP-1-STD07-1.0 et al.
We do not pay benefits for charges relating to a covered person: taking part
in any war or act of war (including service in the armed forces) committing a
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist, your
paycheck stub prevails.
20
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
COLUMBIA COLLEGE
Critical Illness Benefit Summary
Group Number: 00463298
About Your Benefits:
It takes a lot to beat a serious illness. Unfortunately, it can also cost a lot. When you or a family member suffers a serious illness like
a stroke or heart attack, Critical Illness Insurance can help with expenses that medical insurance doesn't cover like deductibles or
out of pocket costs, or services like experimental treatment. Critical Illness supplements your medical and your disability income
insurance. The lump sum benefit is paid when you need it most, upon diagnosis, so you can rest assured that you will have funds to
offset upcoming out of pocket costs, and that you'll have the flexibility to elect treatments with less worry about the cost. Review
your options and enroll today!
What Your Benefits Cover:
CRITICAL ILLNESS
Benefit Amount(s)
Employee may choose a lump sum benefit of $5,000 to $25,000 in
$5,000 increments.
CONDITIONS
1st OCCURRENCE
2nd OCCURRENCE
Invasive Cancer
100%
100%
Carcinoma In Situ
30%
0%
Benign Brain Tumor
75%
0%
$250 per lifetime
Not Covered
Heart Attack
100%
100%
Stroke
100%
100%
Heart Failure
100%
100%
Arteriosclerosis
30%
0%
Organ Failure
100%
100%
Kidney Failure
100%
100%
Cancer
Skin Cancer
Vascular
Other
Spouse/Domestic Partner Benefit
May choose a lump sum benefit of $2,500 to $12,500 in $2,500
increments up to 50% of the employee's lump sum benefit.
Child Benefit- children age Birth to 26 years
25% of employee's lump sum benefit
Benefit Reductions: Benefits are reduced by a certain percentage as
an employee ages
50% at age 70
Guarantee Issue/
Conditional Issue
We Guarantee Issue up to:
Less than age 70 $20,000
For a spouse:
Less than age 70 $10,000
For a child: All Amounts
Health questions are required if the elected amount exceeds
the Guarantee Issue, as well as for all applicants age 70+
regardless of elected amount.
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
21
CRITICAL ILLNESS
Portability: Allows you to take your Critical Illness coverage with
you if you terminate employment.
Included
Pre-Existing Condition Limitation: A pre-existing condition
3 months prior, 12 months after
includes any condition for which you, in the specified time period prior
to coverage in this plan, consulted with a physician, received treatment,
or took prescribed drugs.
Cancer Vaccine Benefit
$50 per lifetime for receiving a cancer vaccine
WELLNESS BENEFIT
Employee Per Year Limit
$50
Spouse Per Year Limit
$50
Child Per Year Limit
$50
22
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Critical Illness Cost Illustration
To determine the most appropriate level of coverage, you should consider your current basic monthly expenses and
expected financial needs during a critical illness.
Your premium will not increase as you age.
Child cost is included with employee election.
Semi-monthly Premiums Displayed
Election Cost Per Age Bracket
Benefit Amount
Issue Age
< 30
30-39
40-49
50-59
60-69
70+†
Employee
$5,000
Non-tobacco
Tobacco
$1.67
$0.91
$2.45
$3.67
$4.20
$8.00
$6.99
$13.25
$10.75
$20.75
$10.75
$20.75
$10,000
Non-tobacco
Tobacco
$2.59
$1.06
$4.15
$6.59
$7.65
$15.25
$13.23
$25.75
$20.75
$40.75
$20.75
$40.75
$15,000
Non-tobacco
Tobacco
$3.51
$1.22
$5.85
$9.51
$11.10
$22.50
$19.47
$38.25
$30.75
$60.75
$30.75
$60.75
$20,000
Non-tobacco
Tobacco
$4.43
$1.37
$7.55
$12.43
$14.55
$29.75
$25.71
$50.75
$40.75
$80.75
$40.75
$80.75
$25,000
Non-tobacco
Tobacco
$5.35
$1.53
$9.25
$15.35
$18.00
$37.00
$31.95
$63.25
$50.75
$100.75
$50.75
$100.75
$30,000
Non-tobacco
Tobacco
$6.27
$1.68
$10.95
$18.27
$21.45
$44.25
$38.19
$75.75
$60.75
$120.75
$60.75
$120.75
$35,000
Non-tobacco
Tobacco
$7.19
$1.84
$12.65
$21.19
$24.90
$51.50
$44.43
$88.25
$70.75
$140.75
$70.75
$140.75
$40,000
Non-tobacco
Tobacco
$8.11
$1.99
$14.35
$24.11
$28.35
$58.75
$50.67
$100.75
$80.75
$160.75
$80.75
$160.75
$45,000
Non-tobacco
Tobacco
$9.03
$2.15
$16.05
$27.03
$31.80
$66.00
$56.91
$113.25
$90.75
$180.75
$90.75
$180.75
$50,000
Non-tobacco
Tobacco
$9.95
$2.30
$17.75
$29.95
$35.25
$73.25
$63.15
$125.75
$100.75
$200.75
$100.75
$200.75
$2.48
$4.38
$4.20
$8.00
$5.93
$11.63
$7.65
$15.25
$9.38
$18.88
$3.87
$7.00
$6.99
$13.25
$10.11
$19.50
$13.23
$25.75
$16.35
$32.00
$5.75
$10.75
$10.75
$20.75
$15.75
$30.75
$20.75
$40.75
$25.75
$50.75
$5.75
$10.75
$10.75
$20.75
$15.75
$30.75
$20.75
$40.75
$25.75
$50.75
Benefit Amount Up To 50% of Employee Amount to a Maximum of $12,500
Spouse
$2,500
$5,000
$7,500
$10,000
$12,500
†Benefit
Non-tobacco
Tobacco
Non-tobacco
Tobacco
Non-tobacco
Tobacco
Non-tobacco
Tobacco
Non-tobacco
Tobacco
$1.21
$1.53
$1.67
$2.30
$2.13
$3.08
$2.59
$3.85
$3.05
$4.63
$1.60
$2.21
$2.45
$3.67
$3.30
$5.13
$4.15
$6.59
$5.00
$8.05
reductions may apply. See plan details.
Manage Your Benefits:
Go to www.GuardianAnytime.com to access secure information
about your Guardian benefits. Your on-line account will be set
up within 30 days after your plan effective date.
23
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
EXCLUSIONS AND LIMITATIONS
A SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS FOR CRITICAL
ILLNESS:
We will not pay benefits for the First Occurrence of a Critical Illness if it occurs
less than 3 months after the First Occurrence of a related Critical Illness for
which this Plan paid benefits. By related we mean either: (a) both Critical
Illnesses are contained within the Cancer Related Conditions category; or (b)
both Critical Illnesses are contained within the Vascular Conditions category.
We will not pay benefits for a Second occurrence (recurrence) of a Critical
Illness unless the Covered Person has not exhibited symptoms or received care
or treatment for that Critical Illness for at least 12 months in a row prior to the
recurrence. For purposes of this exclusion, care or treatment does not include:
(1) preventive medications in the absence of disease; and (2) routine scheduled
follow-up visits to a Doctor.
We do not pay benefits for claims relating to a covered person: taking part in
any war or act of war (including service in the armed forces) committing a felony
or taking part in any riot or other civil disorder or intentionally injuring
themselves or attempting suicide while sane or insane.
Employees must be legally working in the United States in order to be eligible
for coverage. Underwriting must approve coverage for employees on temporary
assignment: (a) exceeding 1 year; or (b) in an area under travel warning by the
US Department of State, subject to state specific variations.
If the plan is new (not transferred): During the exclusion period, this Critical
Illness plan does not pay charges relating to a pre-existing condition. If this plan
is transferred from another insurance carrier, the time an insured is covered
under that plan will count toward satisfying Guardian’s pre-existing condition
limitation period. A pre-existing condition includes any condition for which an
employee, in a specified time period prior to coverage in this plan, consults with
a physician, receives treatment, or takes prescribed drugs. Please refer to the
plan documents for specific time periods. State variations may apply.
Guardian’s Critical Illness plan does not provide comprehensive medical
coverage. It is a basic or limited benefit and is not intended to cover all medical
expenses. It does not provide “basic hospital,” “basic medical,” or “ medical”
insurance as defined by the New York State Insurance Department.
Health questions are required on 1) late enrollees and 2) enrollees over age 69
(not applicable in FL). This coverage will not be effective until approved by a
Guardian underwriter.
The policy has exclusions and limitations that may impact the eligibility for or entitlement
to benefits under each covered condition. See your certificate booklet for a full listing of
exclusions & limitations..
If Critical Illness insurance premium is paid for on a pre tax basis, the benefit may be
taxable. Please contact your tax or legal advisor regarding the tax treatment of your
policy benefits..
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your paycheck stub exist,
your paycheck stub prevails. Your company has selected Guardian to provide Critical Illness coverage to eligible employees & dependents
according to plan terms which have been mutually agreed upon. As an eligible employee, you can purchase this coverage at the group premium
levels illustrated above.
24
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
COLUMBIA COLLEGE
Group Number: 00463298
Accident Benefit Summary
About Your Benefits:
Accidents happen every day. Did you know almost 39 Million emergency room visits a year are due to an injury?¹ If you were
injured from an accident, chances are you will have expenses that you were not anticipating-will you be prepared? Accident
Insurance can help you deal with those expenses. Benefit payments can help you with your medical deductibles and co-pays, and
cover household expenses like groceries, mortgage payments and childcare, which can begin to pile up if you have to take some
time off from work. You are guaranteed coverage, so please enroll today!
1
Injury Facts, 2011 Edition, National Safety Council.
What Your Benefits Cover:
ACCIDENT
COVERAGE - DETAILS
Your Semi-monthly premium
$8.10
You and Spouse
$11.58
You and Child(ren)
$15.45
You, Spouse and Child(ren)
$18.93
Accident Coverage Type
On and Off Job
Portability - Allows you to take your Accident coverage with you if you terminate
employment. Ported Accident plan terminates at age 70.
Included
ACCIDENTAL DEATH AND DISMEMBERMENT
Benefit Amount(s)
Employee $50,000
Spouse $25,000
Child $5,000
Common Carrier
Quadriplegia, Loss of speech & hearing (both ears),
Loss of Cognitive function: 100% of AD&D
Hemiplegia & Paraplegia: 50% of AD&D
200% of AD&D benefit
Common Disaster
200% of Spouse AD&D benefit
Dismemberment - Hand, Foot, Sight
Single: 50% of AD&D benefit
Multiple: 100% of AD&D benefit
Catastrophic Loss
Dismemberment - Thumb/Index Finger Same Hand, Four Fingers Same Hand, All
Toes Same Foot
Seatbelts and Airbags
25% of AD&D benefit
Reasonable Accommodation to Home or Vehicle
$2,500
Seatbelts: $10,000 & Airbags: $15,000
WELLNESS BENEFIT - Per Year Limit
$50
Child(ren) Age Limits
Children age birth to 26 years
FEATURES
Accident Emergency Room Treatment
$175
Accident Follow-Up Visit - Doctor
$50 up to 6 treatments
Air Ambulance
$1,000
Ambulance
$150
Appliance - Wheelchair, leg or back brace, crutches, walker, walking boot that
extends above the ankle or brace for the neck.
$125
Benefit information illustrated within this material reflects the plan covered by Guardian as of 11/05/2015
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
25
FEATURES (Cont.)
Blood/Plasma/Platelets
Burns (2nd Degree/3rd Degree)
Burn - Skin Graft
$300
9 sq inches to 18 sq inches: $0/$2,000
18 sq inches to 35 sq inches: $1,000/$4,000
Over 35 sq inches: $3,000/$12,000
50% of burn benefit
Child Organized Sport - Benefit is paid if the covered accident occurred while your
covered child is participating in an organized sport that is governed by an
organization and requires formal registration to participate.
20% increase to child benefits
Chiropractic Visits
$25 per visit up to 6 visits
Coma
$10,000
Concussions
$75
Dislocations
Schedule up to $4,400
Diagnostic Exam (Major)
$150
Emergency Dental Work
$300/Crown, $75/Extraction
Epidural pain management
$100, 2 times per accident
Eye Injury
$300
Family Care
$20/day up to 30 days
Fracture
Schedule up to $5,500
Hospital Admission
$1,000
Hospital Confinement
$225/day - up to 1 year
Hospital ICU Admission
$2,000
Hospital ICU Confinement
$450/day - up to 15 days
Initial Physician's office/Urgent Care Facility Treatment
$75
Joint Replacement (hip/knee/shoulder)
$2,500/$1,250/$1,250
Knee Cartilage
$500
Laceration
Schedule up to $400
Lodging - The hospital must be more than 50 miles from the insured's residence.
Occupational or Physical Therapy
$125/day, up to 30 days for companion hotel stay
$25/day up to 10 days
Rehabilitation Unit Confinement
1: $500
2 or more: $1,000
$150/day up to 15 days
Ruptured Disc With Surgical Repair
$500
Prosthetic Device/Artificial Limb
Surgery
Surgery - Exploratory or Arthroscopic
Tendon/Ligament/Rotator Cuff
Transportation - Benefit is paid if you have to travel more than 50 miles one way to
receive special treatment at a hospital or facility due to a covered accident.
X - Ray
Schedule up to $1,250
Hernia: $150
$250
1: $500
2 or more: $1,000
$500, 3 times per accident
$30
UNDERSTANDING YOUR BENEFITS:
•
Common Carrier – Benefit is paid if an insured's death occurs due to an accident while riding as a fare-paying passanger in a
public conveyance. If this is paid, we do not pay the Accidental Death benefit.
•
Common Disaster – Benefit is paid if both you & your spouse die in a covered accident or separate covered accidents
within the same 24 hour period.
•
Reasonable Accomodation – Benefit is payable if a modification is required to an insured's place of residence or vehicle due
to an Accidental Dismemberment or Catastrophic loss.
This handout is for illustrative purposes only and is an approximation. If any discrepancies between this handout and your
paycheck stub exist, your paycheck stub prevails.
26
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
Manage Your Benefits:
Go to www.GuardianAnytime.com to access secure information
about your Guardian benefits. Your on-line account will be set
up within 30 days after your plan effective date.
LIMITATIONS AND EXCLUSIONS:
A SUMMARY OF ACCIDENT LIMITATIONS AND EXCLUSIONS:
Employees must be working in the United States in order to be eligible for
coverage. Underwriting must approve coverage for employees on temporary
assignment: (a) exceeding 1 year; or (b) in an area under travel warning by the US
Department of State, subject to state specific variations.
This proposal summarizes the major features of the Guardian Accident benefit
plan. It is not intended to be a complete representation of the proposed plan.
For full plan features, including exclusions and limitations, please refer to your
Policy.
This proposal is hedged subject to satisfactory financial evaluation.
This plan will not pay benefits for any injury caused by or related to: declared or
undeclared war, act of war or armed aggression; taking part in a riot or civil
disorder; or commission of, or attempt to commit a felony; intentionally self
inflicted injury, while sane or insane; suicide, while sane or insane. The covered
person being legally intoxicated. Treatment rendered or hospital confinement
outside the United States or Canada. Travel of flight in any kind of aircraft
including any aircraft owned by or for the employer except as a fare paying
passenger on a common carrier. Participation in any kind of sporting activity for
compensation or profit including coaching or officiating.
Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
Participation in hang gliding, bungee jumping, sailgliding, parasailing, parakiting,
ballooning, parachuting, and/or skydiving. Injuries to a dependent child received
during the birth. An accident that occurred before the covered person is
covered by this plan. Sickness, disease, mental infirmity or medical or surgical
treatment.
If Accident insurance premium is paid for on a pre tax basis, the benefit may be taxable.
Please contact your tax or legal advisor regarding the tax treatment of your policy benefits.
27
COLUMBIA COLLEGE ALL OTHER ELIGIBLE EMPLOYEES Benefit Summary
The Guardian Life Insurance Company of America, 7 Hanover Square, New York, NY 10004
28
Accident Coverage – Advantage Benefit
Children play to win. Our coverage plays it smart.
Unique benefit with Guardian Accident Insurance
It’s important to encourage children to be active. And millions of children find an answer in organized sports —
whether it’s Little League, soccer or football. But accidents happen. Luckily, Guardian Accident Insurance has
it covered:
Benefits are increased by 20% if a covered dependent child (aged 18 years old or younger) is injured
while participating in an organized sport.*
For instance, imagine your child has a collision in the outfield while playing baseball. He’s taken to the hospital
in an ambulance and given an MRI to check for injuries. He ends up staying overnight for observation
because the MRI confirmed a concussion. Here’s the breakdown of what Guardian covers, along with the
additional Child Organized Sport benefit.
PROCEDURE
GUARDIAN ACCIDENT
INSURANCE BENEFIT
Ambulance ride
Emergency Room visit
Hospital admission (his stay
was over 20 hours)
MRI
Concussion
2 follow-up doctor visits
TOTAL BENEFIT
GRAND TOTAL
ADDITIONAL CHILD
ORGANIZED SPORT
ADVANTAGE BENEFIT
$150
$175
$30
$35
$1000
$200
$150
$75
$50 X 2 = $100
$1,650
$30
$15
$20
$330
$1,980.00
Enroll in Accident coverage today.
* Proof of registration required at time of claim
Guardian's Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY.
Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur
additional costs. Plan documents are the final arbiter of coverage.
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