~A Benefit of Your Membership in the PTOS~

The PTOS, in cooperation with Financial Advantage Associates (FAA) provides access to insurance professionals, through e-mail, phone, and brown bag lunches, to help design and shop for coverage at no additional cost.  These programs are aimed at helping PTOS members supplement coverage or reduce costs on their benefits to balance their family protections needs. Listed below is a brief summary of each program and why it is of value to you.

• Life Insurance – You may have FEGLI or other group life insurance already, however, as a PTOS member, you will have access to insurance professionals to figure out: 1) How this group insurance plan fits in your overall life insurance strategy? 2) How much life insurance is enough? 3) What type of life insurance is appropriate for you?  These insurance professionals will also be able to find you competitive rates through various insurance carriers. You have the ability to talk to these experts who will be able to tailor your life insurance coverage to meet your needs and answer any question you may have.

• Disability Insurance – With the disability Insurance benefit provided through the PTOS, you are eligible to supplement your government or company provided disability benefits with an individually owned insurance policy.  For those in need of supplemental disability income, you can take part in this program at a discounted member rate and speak with disability insurance experts who can help you design your plan.

• Long Term Care Insurance – As the baby boomer population begins to retire, more and more people are beginning to plan for when their health deteriorates. As part of that planning, it is vitally important that you retain control of the situation financially. Through Long Term Care Insurance, one can make sure that they will not become a financial burden on their loved ones as they age. The PTOS has found that plans outside the government are beneficial to our members because they can be individually tailored and offer a more cost effective solution. Please contact an insurance expert below to begin customizing a plan that fits your needs.

• Transition Health Insurance – Over the years, many people will change jobs and in turn leave their health insurance behind.  There is often a waiting period between when one leaves their old job, starts their new job and when the new health insurance would begin.  In response to this challenge, the PTOS Transition Health Program will help those individuals in need of bridging-the-gap between health insurance plans.

For MORE INFORMATION regarding any of these programs, please go to http://www.ptos.org/insurance/ and contact Jason Silverberg at:

jason@finadvinc.com
301-610-0071 (MD/DC/VA)
1-800-804-4736 x3022

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