What does this mean for you? Peace of mind.
True Own-Occupation protection—Locked-in
Partial Disability benefits—Locked-in
Built-in Features, Benefits, and Coverage Options—All Locked-in
Of course, you can still apply for additional coverage or other options as your needs change,
but you won’t lose features from your original coverage. Unless changes are mandated by changes
in law or regulation, the coverage features you sign up for, cannot be changed. Period.
Coverage Lock-in -- yet another benefit of group coverage with ADA Members insurance plans.
Learn more about each plan’s features:
Term Life Features
Disability Income Protection Features
Office Overhead Features
* Mandatory changes because of changing regulatory or legal requirements in the future may
be made as required by Illinois law. Otherwise, coverage features in effect on or after
November 1, 2009 may not be amended by Great-West or the ADA once coverage
commences as long as the participant remains an ADA member and does not allow coverage to lapse. Locked-in coverage
features that subsequently lapse may not be available upon re-application for coverage.
Premium rates may vary based on the financial experience of the plan. The Coverage Lock-in feature does not apply to the
Universal Life certificate.