Insurance Coverage & Administration

Reliance Standard Life Insurance Company (RSL) provides the insurance coverage, and administers the plan including issuing the certificate of insurance, premium collection, and claims administration. CDS provides conversion service support to its clients, their policyholders and covered employees. Our support include distribution of conversion enrollment kits to clients, screening initial applications, answering questions from clients and their policyholders and employees about the conversion offering, and coordinating with RSL as needed.

Benefits and amounts of insurance under the LTD Conversion coverage may differ from those under the former employer's group LTD policy.

Employees are responsible for payment of all LTD Conversion coverage premiums under this plan.

ELIGIBILITY — Who Can Convert?

Employees are eligible to apply for Reliance Standard Life's conversion plan if employment ended due to termination of employment, other than retirement.

In addition, employees must meet the following requirements:

• Have been covered for at least twelve (12) consecutive months prior to termination of coverage under the group LTD policy from which they're converting. The twelve (12) months can be a combination of coverage under the employer's group LTD policy and a prior plan of group LTD coverage provided by that employer.
• Apply for conversion within thirty-one (31) days after the termination of coverage under the Group LTD Policy.