Evidence of your commitment to a project management career. It demonstrates your fundamental knowledge of senior project management and its associated processes to potential employers. There are two fundamental PMP certification requirements.
Those receiving group life insurance coverage may not have to pay anything out of pocket for policy benefits, or they may elect to have their portion of the premium payment deducted from their paycheck.
With group life insurance, the employer or organization purchasing the policy for its staff or members retains the master contract. Employees who elect coverage through the group policy usually receive a certificate of coverage which will be necessary to provide to a subsequent insurance company in the event that the individual leaves the company or organization and terminates their coverage.
The typical group policy is for term life insuranceoften renewable each year with a company's open enrollment process. Group term life insurance, with monthly premiums paid either entirely or in large part by the employer, usually offers lower coverage levels than most experts recommend — usually only one or two times an employee's yearly salary.
Group Life Insurance Pros and Cons The biggest appeal to employees for group life insurance is its value for the money. Group members typically pay very little if anything, usually drawn directly from their weekly or monthly gross earnings, for a policy offering a relatively modest coverage level.
It's offered by employers a benefit for its staff, and is fairly common nationwide.
Qualifying for group policies is easy, with coverage guaranteed to all group members, unlike individual policies, which usually require a medical exam.
But with that convenience and low cost comes a coverage level that's much smaller than the majority of policyholder's need for life insurance that covers their needs. That's why experts say it should be treated as a perk, as a supplement to a separate individual policy, rather than a sufficient standalone.
Another reason is that the employer is in control of the policy, rather than the employee. If an organization opted to terminate group life insurance, or a person decided to switch jobs, coverage would stop. Some organizations do offer the opportunity for group members to purchase more coverage than their basic life insurance offering.
That extra voluntary coverage might make financial sense, because even the added premium will usually still be based on the less-expensive group rate.
That part of the policy also may be portable between jobs. Unlike the basic group policy, additional coverage often requires applicants to answer a medical questionnaire, but may not require an actual physical exam.
That could be a good option for people whose health issues might make it difficult to qualify for an affordable individual policy.Save time and money by earning your graduate degree and initial teacher licensure at the same time. CBU’s Master of Arts in Teaching Program offers professional development education courses as well as those required for your chosen concentration and for initial licensure.
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