General Information



ADDlication

     Application for the Disability insurance group policy is made by the

 institution on a form provided by TIAA.


 Enrollment

     TIAA will prepare announcement material describing the plan in non-

technical Language and will .furnish enrollment cards for distribution by

your institution to eligible staff members. The enrollment cards serve as

the staff member's application for insurance.

     No medical examination or evidence of insurability is required, except

for staff members who do not app],y for the insurance within 31 days after

becoming eligible..


Group Policy and Individual Certificates

     TIAA issues a .Group Policy to the institution and an individual certifi-

cate for each insured employee.  The Group Policy is the insuring contract

between TIA and the institution, and the individual'certificates summariz~e

the coverage for each participant.


Administration of the Plan

     At the time of installation, TIAA will provide you with a manual des-

cribing the day-to-day operation of the plan. Every effort is made to keep

accounting.and administration simple.


Benefit Payments

     TIAA supplies you with the forms necessary for applying for benefits,

together with instructions for their use.