RSL SmartChoice®

Small Group Products

We know that offering employee benefits can be a big challenge for small business. That’s why Reliance Standard makes it easy. We’ve designed flexible, comprehensive benefit solutions so you can offer the benefits your employees want – at a price everyone can afford.

RSL SmartChoice® is available to groups with two to 19 lives, except where otherwise specified. Our Small Group Package incorporates Short Term Disability, Long Term Disability, Life/AD&D and Dental/Eye Care benefits. Employers may also select stand-alone lines of coverage from among most of these plans.

RSL SmartChoice Dental/Vision Plan Highlights:

• Groups of two through 19 lives (three to 19 unless sold with two other lines of RSL coverage)
• Three comprehensive dental plans
• Managed Care/PPO dental options
• Child/Adult Orthodontia option
• Vision option
• Takeover coverage available (Type 3/Major services)

RSL SmartChoice LTD Plan Highlights:

• $7,500 monthly maximum benefit
• Guarantee issue
• Benefit percentage of 60%
• 60, 90 and 180 day elimination periods
• 36 month own occupation definition of disability
• Pre-existing condition benefit payable up to 12 months (30% to $3,750)
• Rehabilitation benefit
• Survivor benefit (lump sum)

RSL SmartChoice Life/AD&D

Small Group Term Life Insurance plans are offered to active, full-time employees working a minimum of 30 hours per week year round (non-seasonal) who have satisfied the employer’s minimum service requirement.

RSL SmartChoice Life/AD&D Plan Highlights:

• Simplified enrollment
• Guaranteed issue of $50,000 for groups of two to five lives
• Guaranteed issue of up to $75,000 for groups of six to nine lives
• Guaranteed issue of up to $100,000 for groups of 10 through 19 lives
• Maximum benefit of $200,000
• Plan designs offered include 1X earnings, 2X earnings to a certain maximum, or flat amount of coverage for all
• All plans offer an equal amount of Life/AD&D
• Group life conversion privilege
• Waiver of premium provision included
• Accelerated death benefit
• Seat belt benefit included

RSL SmartChoice STD Plan Highlights:

• Guarantee issue
• Benefit options offered include 50%, 60%, 66⅔%, 70% or a flat amount of coverage for all
• Weekly maximum benefit of $1,500
• Pre-existing condition benefit
• Benefit for one period of disability paid from the first day of injury or from the eighth consecutive day of sickness
• Benefit duration of 13 or 26 weeks
• Plans are non-occupational and end at retirement

Participation Requirements

All eligible employees need to be insured when the life insurance program is 100% employer-paid. If the plan you select requires employees to contribute toward the cost, the following participation is required: