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Contact Home Services Site Map About Ochs, Inc.AboutTeamArchivesNewsletter - Fall Enrollment InformationNewsletter - Staff Change AnnouncedBenefit AdministratorsBenefit Administrators Contact FormAdministrator FAQCan employees keep their life insurance when they terminate employment?How do I file a disability claim for my employee and where should it be sent?How is a disability defined in order to qualify for benefits?If an employee terminates employment due to a disability can they still file a claim?Not every LTC Insurance participant received the CNA letter to MLTC Partnership participants - Why?What happens to an employee’s Long Term Care Insurance when they terminate or retire?When do employees need to provide a health questionnaire?Administrator FormsBeneficiary Statement for a Death ClaimConversion to Adjustable Life LegendConversion to Advantage Elite 10 Term Life InsuranceEmployee Group Insurance Change RequestMinnesota Life Notice of DeathAdministrator ResourcesMinnesota Continuation MOBRACarrier InformationAmeritasAssurant Employee BenefitsDelta DentalHumanaDentalMinnesota LifeNewslettersNewsletter - Fall Enrollment InformationNewsletter - Staff Change AnnouncedThe Municipal Pool Update - February 2009 Issue IFormsBeneficiary Designation FormConversion to Adjustable Life LegendConversion to Advantage Elite 10 Term Life InsuranceDisability Claim FormsEmployee Group Insurance Change RequestHealth QuestionnaireLife Insurance ApplicationFrequently Asked QuestionsCan I purchase long term care insurance with money from my HSA?Can you explain how the pre-existing condition in the Long Term Disability contract works?How is disability defined in order to qualify for benefits?How long will my Long Term Disability benefits be paid?How much life insurance do I need?I did not receive the CNA letter sent to Long Term Care participants - Why? If an employee terminates employment due to a disability can they still file a claim?What distinguishes adult daycare from adult fostercare?What happens to my Long Term Care Insurance when I retire?What happens to my optional insurance benefits if I leave employment?What is Home Healthcare?What is the difference between short and long term disability?What is the Minnesota Long Term Care Partnership Program?What new employee benefits are available without health questions?What types of expenses are covered by Long Term Care Insurance?When am I eligible to begin receiving benefits from my Long Term Care plan?Where can I find information to help me provide long term care for a family member?Why should I consider Long Term Care Insurance?Why should I enroll in Long Term Disability Insurance?Will Medicare pay for my Long Term Care?Will my health insurance and disability insurance cover Long Term Care services?Glossary of Insurance TermsAccelerated BenefitAccidental Death and Dismemberment BenefitAmendmentAnd DefinitionAny OccupationBeneficiaryBenefitBrokerCash ValueCertificateClaimCOBRACoinsuranceContributory PlanConversionCopayment or CopayCore - Buy-upDeductibleDefinition of DisabilityDisability InsuranceDividendsEarnings TestEligible EmployeeElimination PeriodEndowment PoliciesEvidence of InsurabilityFace ValueFamily DeductibleFamily Out-of-Pocket MaximumFinancial StrengthFormulary or Preferred Drug ListFull Family DirectGainful EmploymentGuarantee IssueHealth QuestionnaireIndexingInsurabilityInsuranceInsuredInsurerLevel Term Life InsuranceLong Term Care InsuranceMaster PolicyMaterial DutyMaximum Monthly BenefitMinimum BenefitNon-Contributory PlanOffsetOr DefinitionOut-of-Pocket MaximumOwn OccupationPolicy OwnerPre-existing ConditionPre-existing Condition LimitationPremiumsProviderQualifying PeriodRate of BenefitReasonable AccommodationRecurrent DisabilityRehabilitation BenefitsRenewable Term Life InsuranceShort Term Disability Insurance Supplemental InsuranceSurvivor BenefitTerm Life InsuranceUnderwritingUniversal Life InsuranceVoluntary or Employee PaidWaiting PeriodWaiver of PremiumWhole Life InsuranceWork Incentive BenefitZero Day ResidualDental InsuranceDental Insurance 101Dental Insurance FAQLife InsuranceLife Insurance 101Life Insurance FAQTypes of Life InsuranceLong Term CareLong Term Care 101Long Term Care FAQShort and Long Term DisabilityDisability FAQLong Term Disability 101Short Term Disability 101Vision CoverageVision Coverage 101Vision Coverage FAQResourcesGroup Long Term Care VideoLong Term Care - Caregiver VideoNewsletter - The Value of Group Long Term Care InsuranceSubmitting a claim for a disabilityTerm Life Insurance VideoThe Municipal PoolA True Group Long Term Care PlanEnhanced Plan Designs for Voluntary LTDFormed in 1955How Can We Join?Includes Over 280 Public EntitiesPooling of MunicipalitiesReliable & Affordable Life Insurance ContractsResults of insurance-buying advantagesWhat is this Municipal Pool?

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All labor that uplifts humanity has dignity and importance and should be undertaken with painstaking excellence.
- Martin Luther King, Jr.

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