Eligibility

• Full-Time, Part-Time, or Retired Federal Employees under age 65, residing in the United States may apply.

• The lawful (not legally separated) spouse under age 65 of an individual meeting the criteria directly above may apply for coverage in their own right.

• Benefit amounts available for eligible applicants are from $100,000 to $1,000,000 in $25,000 increments.

• Total combined coverage for each insured person under the Wright USA Group Term Life Insurance Plans underwritten by ReliaStar Life is $1,000,000.

Additional Features

• Accelerated Life Benefit (ALB) - Helps terminally ill insureds during a difficult and often financially challenging time. ALB provides the option to have a portion (up to 50%) of your life insurance benefit paid to you while still alive. This money can be used to help cover prescription drug costs, medical bills, outstanding debts, experimental treatments, or the cost of modifications to your home.
  
  To qualify, an individual must be diagnosed as having a life expectancy of 12 months or less. Complete details are in the Certificate of Insurance.

• Group Conversion Privilege - You may convert your coverage to an individual plan offered by ReliaStar Life, regardless of physical condition or medical history, under the conditions stated in your Certificate of Insurance.

• Beneficiary - You can choose anyone you wish as your beneficiary. That person will receive all the proceeds of your coverage in the event of your death. It could be a family member or a close friend. You can change your beneficiary at any time, by written request.
  
  
• Incontestability - The validity of any amount of insurance which has been in force for two years during the insured’s life will not be contested except for eligibility and non-payment of premium contributions.

• Certificate of Insurance - The information provided here is only a brief description of the principle provisions and features of the plan. The complete terms and conditions are set forth in the certificate of insurance, under group policy GL-67182-7. A certificate will be sent to you upon approval of your insurance. This group policy is issued by ReliaStar Life Insurance Company to the Civil Service Employee Benefit Association on Policy Form LP00GP.

• 30-Day Free Look –When you receive your Certificate of Insurance, read it carefully. If you’re not completely satisfied with the terms of your new insurance plan, simply return your Certificate within 30 days and any premium paid will be refunded. No questions asked.

• Funeral Planning* – Wright insureds have access to ING Funeral Planning & Concierge Services. These services provide an opportunity to discuss and obtain information from independent experts. These professionals can assist in funeral planning for insureds and eligible family members. Click here for details.

• Travel Assistance** – ING Travel Assistance offers eligible Wright insureds and their spouses four types of services when they are traveling more than 100 miles from home (domestically or internationally): Emergency Transportation Services, Medical Assistance Services, Emergency Personal Services, and Pre-trip information. Click here for details.  

Exclusions

Suicide is not covered if it takes place during the two-year period after a person’s coverage becomes effective. (Premiums paid for the person’s coverage will be returned.) Missouri residents: Benefits will not be paid for suicide within the first year of coverage.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) is the group policyholder of this insurance program. CSEBA makes available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Wright USA acts as the program administrator for CSEBA.

Right to change benefits, rates or terminate the plan

Changes to the group policy are subject to agreement between the group policyholder (CSEBA) and ReliaStar Life Insurance Company. CSEBA or ReliaStar Life may terminate the plan on any premium due date with advance notice. If the plan is terminated by CSEBA or ReliaStar Life, at least 30 days advance notice will be provided to the individual insured member(s). The initial premium will not change for the first 10 years unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

Plan Administrator:

Wright USA Insurance Plan
c/o Massmark Administrative Services, Inc.
233 Le Phillip Court, N.E.
P.O. Box 588
Concord, NC 28026
P: 877-966-3690
F: 704-786-1526
E: massmark@vnet.net

Plan Underwritten by:

ReliaStar Life Insurance Company
Box 20
Minneapolis, MN 55440

ReliaStar Life Insurance Company is licensed/authorized to transact business in all states except New York. ReliaStar Life’s state of domicile is Minnesota, and NAIC ID# is 67015.

Important Notice

This Web site provides brief descriptions of insurance plans offered and is not a contract. Complete terms, conditions, definitions, exclusions, limitations, and renewability requirements are detailed in the Group Policy issued to the Group Policyholder. Each insured will be provided a Certificate of Insurance that summarizes policy provisions affecting his/her coverage.

* Funeral Planning and Concierge services provided by Everest Package, LLC, Houston, TX 77056.
**ING Travel Assistance services are provided by Europ Assistance USA, Bethesda, MD 20814.

Insurance provided by ReliaStar Life Insurance Company, a member of the ING family of companies. Policy form LP00GP.