Ready-to-send messages for your members

No. All coverage through NCL open enrollment is guaranteed acceptance, with no medical exam and no health questions.

Active members in good standing who are available to work (not pulling a pension). Your spouse and children (to age 26) can be covered too, as long as you elect Member Supplemental Life for yourself.

Members can elect $10,000 to $400,000 of Supplemental Life & AD&D in $10,000 steps. Spouses can be covered for $10,000 to $100,000 (up to 100% of your own coverage). Children can be covered for $5,000, $10,000, or $15,000.

It depends on your age and how much coverage you pick. A 30-year-old electing the full $400,000 pays about $36 a month. You can see your exact cost when you enroll at NCLenrollment.com, and the full rate tables are in the brochures on the Documents tab.

Yes. Every active, dues-paying member gets Basic Life & AD&D at no cost. Open enrollment is your chance to add Supplemental coverage on top of it, and it stacks with any other insurance you have.

No. Life insurance benefits are paid to your beneficiary tax-free.

You can carry your coverage into retirement, up to age 75, and you can keep it past 75 as long as you’re still working. Rates continue by age band as you get older. For the details on your situation, call Kocher Insurance Group at (888) 212-7822.

Accidental Death & Dismemberment pays a benefit, separate from the life insurance benefit, if you’re severely injured or die as the result of a covered accident. It costs $0.50 a month per $10,000 of coverage.

Your coverage includes an Accelerated Death Benefit: if you’re diagnosed with a terminal illness with a limited life expectancy, you may receive a portion of your death benefit while still living.

It pays cash directly to you for any hospital stay: $1,100 for your first day, $100 a day after that ($1,200 and $200 a day for critical care). It starts under $10 a month, and your spouse and children are covered at 100% of your benefit.

Accident, Critical Illness, and Hospital Indemnity coverage each pay $50 per covered family member, per year, just for completing a routine health or dental screening. A family of four gets $200 a year back, money that can go right toward your premium.

Go to NCLenrollment.com, or call Kocher Insurance Group at (888) 212-7822, weekdays 8:00 a.m.–6:00 p.m. Enrollment closes November 30.

Cash directly to you, every week you cannot work, up to $500 a week for as long as 24 weeks. You pick the $500 level or the $250 level when you enroll. If you are working reduced hours, a partial benefit is payable, with a floor of $25 a week or 10 percent of the benefit.

No. The benefit is paid to you tax-free.

No. The plan covers you on or off the job. A surgery and the recovery that follows, pregnancy and childbirth, an injury at home or on the road, or a serious illness that keeps you off the job all count.

Fourteen days after the accident, injury, or illness. The first two weeks are the waiting period.

It depends on your age. The $500 level runs from $29 a month and the $250 level from $14.50. The letter mailed to your home lists every age band. Members living in California, Connecticut, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Oregon, and Washington pay the lower SDI-state rates, because those states provide their own disability benefits.

No medical questions and no exam during this open enrollment.

No. Worker’s Compensation is not deducted, so this pays on top of it. State paid-leave benefits are treated differently: in the nine states that run their own programs, what the state pays does reduce what this plan pays, which is why the rates there are lower.

January 1, 2027 for anyone who enrolls during open enrollment.

You can, but as a late enrollee you would wait 60 days, instead of the standard 14, before benefits begin for a sickness or a pregnancy, and that longer wait applies for your first 12 months in the plan. Accidents are not affected. Enrolling during this open enrollment avoids it.

Yes, in two ways. Members in California, Connecticut, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Oregon, and Washington pay lower rates, because those states run their own paid leave programs. In those states, benefits you receive from the state program reduce what this plan pays. Separately, members living in Colorado, Florida, Idaho, New Mexico, and Washington cannot be covered until a state filing is completed and approved, so check with the enrollment line before you count on coverage.

Yes. Benefits are not paid for any week you are receiving sick pay.

A few things worth knowing. Partial and residual disability are covered, so a reduced-hours return to work does not end your benefit. There is a return-to-work incentive, meaning work earnings are not deducted until your benefit plus earnings exceed what you were making before. If you go back and it does not stick, a temporary recovery provision gives you 90 days to reopen the same claim rather than start over. And Health Advocate is included to help you navigate the medical side while your claim is open.

Go to www.groupba.com or scan the QR code on the letter, then navigate to NCL Open Enrollment. You can also call (866) 979-1422. The operators are in the Midwest.