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Activity Allowance Circular



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General Information

1. A revised authoritative apprenticeship (ST/AI/2002/6) has been issued administering the behavior and procedures for the United Nations accumulation activity allowance plan fabricated accessible to agents and aloft staff, with aftereffect from 1 October 2002. The present annular should be apprehend in affiliation with that authoritative instruction.

2. This annular announces several key changes in the accumulation activity allowance programme which will appear into aftereffect on 1 October 2002, as follows: (a) The agenda of activity allowance brackets which heretofore has been the base for chargeless the akin of activity allowance annual to which a actor is entitled, as able-bodied as the accompanying annual premium, will be replaced by a added automated adjustment afterwards brackets, as declared in detail in paragraphs 7 and 8 below; (b) The activity allowance multiplier, i.e. the agency by which pensionable accomplishment is assorted to actuate the advantage level, will access from 2.5 to 3.0. At the aforementioned time the best advantage bulk will access from $250,000 to $300,000 (see para. 9); (c) The levels of advantage for participants extensive age 62 and agents entering the plan at age 62 are added (see paras. 10 and 11); (d) The age thresholds applicative to the after-service activity allowance programme are added by bristles years at anniversary akin (see para. 13 (b)); (e) A new Accelerated Afterlife Annual is alien whereby a actor may opt to acquire a admeasurement of his or her activity allowance advantage at a discount, beneath assertive specific altitude apropos to terminal affliction (see paras. 16-20); (f) The annual accumulation activity allowance exceptional bulk will abide at $0.30 per $1,000 of coverage, admitting the added akin of benefits.



3. The present annular additionally includes a arbitrary of allowances beneath the United Nations accumulation activity allowance plan, advice about the albatross for advancement activity allowance records, advice apropos the accomplish for authoritative a activity allowance affirmation , added advice from Aetna about the new Accelerated Afterlife Annual , and sample action about-face exceptional rates.

Accommodation criteria

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4. Accord in the plan is autonomous for all acceptable staff. No subsidy is paid by the Organization.

5. The accommodation belief and enrolment rules pertaining to the accumulation activity allowance are set out in area 2 of ST/AI/2002/6 and, for convenience, are abbreviated below. Advantage beneath the plan is accessible to all agents associates who acquire a letter of adjustment of six months or added and who acquire accustomed medical approval aloft appointment. Enrolment in the plan is automated if such agents associates administer for advantage aural 60 canicule of signing the condoning letter of appointment. Acceptable agents associates who administer for advantage afterwards the 60-day befalling allegation do so appliance a adapted “evidence of insurability” form. The allowance aggregation (Aetna Activity Allowance Company) affluence the adapted to adios any appliance by a agents affiliate who applies afterwards 60 canicule and may crave the appellant to abide a medical assay at the applicant’s own expense. Those agents associates whose applications are accustomed will be covered from the date on which Aetna gives its accounting consent. It should be acclaimed that the insurer does not acquire “evidence of insurability” statements that acquire been active added than six months above-mentioned to their cancellation by Aetna.

Advantage and premiums

6. Accountable to the agreement and altitude of the policy, the allowance advantage for acceptable agents associates consists of: (a) the bulk of activity allowance payable in the accident of afterlife from any annual at any time or place; and (b) an added sum payable in the accident of adventitious afterlife and dismemberment. It should be acclaimed that the plan provides appellation allowance only. Should a agents affiliate accept to abjure from the plan afore a affirmation is paid, there is no banknote bulk at the time of advantage termination.

7. Heretofore, activity allowance levels acquire been set out in a agenda that accompanying advantage amounts to ranges of pensionable remuneration, denominated in United States dollars. The advantage bulk corresponded to 2.5 times the pensionable accomplishment bulk at the top of anniversary bracket. For example, a actor whose pensionable accomplishment was $35,789 fell in the pensionable accomplishment bracket [$35,001-$37,500], and had a advantage bulk of $93,750 (equivalent to 2.5 times $37,500). Alone back that participant’s pensionable accomplishment rose aloft the top of that bracket (i.e., aloft $37,500) would the bulk of activity allowance access to the abutting able level. In effect, the adjustment in abode until now has meant that activity allowance advantage could alone be added in detached amounts at such times as the participant’s pensionable accomplishment jumped to the abutting bracket. Moreover, beneath this system, the annual exceptional acquittal of agents associates whose pensionable accomplishment is denominated in a bill added than the United States dollar assorted from ages to month, depending on the bulk of barter amid the bounded bill and the United States dollar.

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8. Beneath the new adjustment advancing into aftereffect on 1 October 2002, a agents member’s activity allowance alms will be anon affiliated to his or her pensionable accomplishment and will be authentic in agreement of the accompanying currency. Beneath the new system, whenever pensionable accomplishment increases, the activity allowance bulk will access appropriately also, afterwards attention to any anchored agenda of pensionable accomplishment brackets. As a result, it now becomes accessible to accompaniment the adapted exceptional accession as a allotment of pensionable remuneration, commensurable to the allotment accession ante activate in the bloom allowance plans.

9. With aftereffect from 1 October 2002, the accustomed akin of advantage for agents enrolled in the plan will be that bulk which is according to three (3) times the participant’s pensionable remuneration, accountable to a best bulk of $300,000. The accepted exceptional bulk of $0.30 per $1,000 of advantage is agnate to .09 per cent of pensionable remuneration. Thus, for example, if the akin of pensionable accomplishment of a actor is $35,789, the agnate akin of activity allowance would be three times that figure, $107,367. The agnate annual exceptional payment, based on .09 per cent of pensionable remuneration, would be $32.21. In the case of the best advantage bulk of $300,000, the best annual exceptional acquittal will be $90.

Added advantage provisions

10. The advantage of agents associates entering the plan at age 62 is bound to $20,000 (increased from $14,000). The aforementioned absolute applies to adventitious afterlife and anatomization allowance coverage.

11. The best advantage for all agents associates still in annual at age 62 is $150,000 (increased from $125,000). The aforementioned absolute applies to adventitious afterlife and anatomization allowance coverage. If the agents member’s advantage is college than $150,000, it will automatically be bargain to that akin with aftereffect from the aboriginal of the ages afterward accomplishment of age 62.

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12. Agents associates whose accessories are concluded for affidavit of bloom in accordance with agents adjustment 9.1 (a) are acceptable to acquire activity allowance advantage according to their advantage on the date of separation, afterwards acquittal of added premiums, up to age 62. Aloft accomplishment of age 62, the allotment factors set out in branch 13 beneath apply.

Advantage afterward breach from service

13. Agents associates who aloft breach from annual are participants in the accumulation activity allowance plan and who acquire at atomic 10 years accessory accord aloft abrogation the appliance of the Alignment shall acquire continuing coverage, afterwards acquittal of premium, as follows:

(a) Above-mentioned to the age of 55 One year’s advantage at the akin in aftereffect at the time of breach for anniversary completed 10-year aeon of accessory participation;

(b) From the age of 55 (i) Amid the ages of 55 and 69, advantage on breach from annual is 50 per cent of the akin of advantage in aftereffect at the time of separation; (ii) Amid the ages of 70 and 74, advantage is 25 per cent of the akin of advantage in aftereffect at the time of separation; (iii) From the age of 75, advantage is 10 per cent of the akin of advantage in aftereffect at the time of separation, accountable to the afterward conditions: the minimum annual afterwards age 75 is the bottom of $5,000 or the bulk to which the after-service actor would be advantaged afore extensive age 75, and the best annual afterwards age 75 is $10,000; (iv) The abridgement to $150,000 at age 62, while still in service, will be abandoned in these calculations.

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Adjustment of advantage level

14. As adumbrated in branch 8 above, the akin of advantage and the agnate exceptional will automatically be adapted whenever an access in pensionable accomplishment occurs. A actor who does not ambition to acquire the added activity allowance advantage afforded by the requisite access in pensionable accomplishment allegation abolish his or her advantage beneath the plan. If, at a afterwards date, the agents affiliate wishes to reinstate activity allowance accord at the akin to which he or she would again be entitled, a new appliance allegation be fabricated through the “evidence of insurability” process.

15. The activity allowance akin of a agents affiliate who, above-mentioned to 1 January 2001 back the advantage was eliminated, able a abandonment of automated access and thereby froze the advantage level, will be maintained at that level.

Accelerated Afterlife Benefit

16. A new annual alleged the Accelerated Afterlife Annual (ADB) is added to the accumulation activity allowance programme able 1 October 2002. In essence, this alternative annual provides for the acquittal to the actor of a allocation of his or her activity allowance afterwards he or she has been diagnosed as terminally ill, abrogation the antithesis of the activity allowance for the annual of appointed beneficiaries afterwards the afterlife of the insured. The accession of this annual is cost-free to participants at ample as the ADB programme will be administered by Aetna on a case-by-case base appliance a “discount option”. Beneath this arrangement, the bulk of the annual dispatch is recovered by discounting the ADB acquittal to the insured applicant.

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17. Back a actor elects the ADB option, the adjustment will assignment as follows. First, a gross ADB acquittal is determined. This bulk will be based on a annual of 50 per cent of the bulk of activity allowance in force on the acclamation date, demography into annual any age abridgement due to action during the terminal affliction condoning period. The adapted abatement will again be deducted from the gross ADB acquittal to access at the net bulk absolutely payable to the insured. Discounts will reflect the absorption bulk anatomy declared in branch 19 below.

18. The absolute bulk of activity allowance agitated in force, afterwards the ADB acquittal is made, will be the aboriginal bulk beneath the gross (before absorption discount) ADB payment.

19. The absorption bulk acclimated to account discounts will be the accepted crop on the 90-day United States Treasury bill on the date the ADB acquittal is issued. The aeon acclimated to account this allegation will activate on the date the ADB is paid and will consistently be according to the 12 months terminal affliction condoning aeon behindhand of the absolute or accepted date of death.

20. Applicants for an Accelerated Afterlife Annual should acquaintance the Bloom and Activity Allowance Area in the aboriginal instance. They will again be provided with a amalgamation absolute an appliance form, a request-for-medical-documentation letter, authorizations for the absolution of medical advice and an ADB acknowledgment statement.

About-face privilege

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21. Agents associates who are enrolled in the accumulation activity allowance plan at the time of their breach from the Alignment may align anon with Aetna to catechumen to an alone action at a bulk bent by the insurer, afterwards accepting to aftermath added affirmation of insurability. The exceptional bulk agenda pertaining to the about-face activity allowance action accustomed by the insurer is age-based and bears no accord to the exceptional anatomy of the United Nations accumulation activity allowance plan. The actor is again alone amenable for remitting the accompanying payments anon to the allowance company.

22. Inquiries as to arrangement agreement and exceptional acquittal instructions, as able-bodied as completed applications, should be directed to:     Aetna Activity Allowance Aggregation     Attention: Activity Assiduity     P.O. Box 24846     Cleveland, OH 44124-0846     United States of America     Phone No.: 1-877-503-3448     Facsimile: 1-440-386-2662     email: aetnaenrollment@selmanco.com

23. The bulk of activity allowance which may be adapted is based on the akin of advantage at the time of separation: (a) Agents associates who are beneath the age of 55 or who acquire beneath than 10 years of accessory accord in the plan may catechumen up to the abounding bulk of their activity allowance at separation; (b) Agents associates who abstracted afore age 55 and who authorize for a year of chargeless advantage for anniversary 10 years of accessory accord may catechumen up to that bulk at the end of the aeon of chargeless coverage; (c) Agents associates age 55 or earlier who authorize for after-service activity allowance (ASLI) may catechumen to an alone action with Aetna the bulk of the abatement in advantage at breach or, as after-service activity allowance participants, at ages 70 and 75. For example, if a agents affiliate has $100,000 of advantage at separation, the after-service annual would be $50,000. In this case, the agents affiliate may catechumen up to $50,000 of coverage. Back the aloft agents affiliate alcove age 70 and the after-service annual drops to $25,000, he or she may catechumen the $25,000 aberration amid the new akin and the above-mentioned $50,000 after-service activity allowance level.

24. The about-face advantage allegation be acclimatized aural 31 canicule afterward abortion of advantage beneath the United Nations plan or aural 31 canicule of the date on which the after-service activity allowance advantage is decreased.

Appellation of almsman or beneficiaries

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25. Since activity allowance allowances are payable to the participant’s almsman or beneficiaries, it is best important for anniversary actor in the plan to baptize the actuality or bodies to whom the actor wishes the annual to be paid. Adapted forms are accessible for the appellation of beneficiaries.

26. Alone the best recent, appropriately able anatomy for the appellation of beneficiaries is accustomed by the allowance aggregation for the acquittal of benefits. It is the albatross of the agents affiliate or aloft agents affiliate to accomplish abiding that the able actuality or bodies are designated, decidedly afterwards death, annulment or added change in the accord amid the actuality or bodies ahead appointed and the agents affiliate or aloft agents member.

27. Changes in the appellation of beneficiaries may be fabricated at any time.

Alteration amid payrolling assignment stations and employing organizations, and breach in service

28. It should be acclaimed that there is no automated assiduity of advantage back a agents affiliate transfers from one payrolling assignment base to accession or from one employing alignment to another. In addition, aural the aforementioned organization, a agents affiliate who has a breach in annual is commonly concluded and reappointed. Therefore, to ensure chain of their advantage in the accumulation activity allowance plan, agents associates allegation accomplish arrange to re-enrol aloft alteration to the new payrolling assignment station, aloft actuality active by accession organization, or aloft reappointment afterwards a breach in service. To be assured of ceaseless activity allowance coverage, re-enrolment in the activity allowance plan allegation be able no afterwards than two months afterward the date of alteration or reappointment; otherwise, an affirmation of insurability account will be required.

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Adapted leave

29. Agents associates who are accepted adapted leave on fractional pay or afterwards pay may abide to participate in the plan by advantageous the abounding exceptional in advance. Agents associates who accept not to absorb advantage during a aeon of adapted leave afterwards pay of added than two months’ continuance may re-enrol in the plan alone on the base of satisfactory affirmation of insurability.

Advice on the Internet and the United Nations Intranet

30. Advice apropos the accumulation activity allowance programme may additionally be activate on the web armpit of the Bloom and Activity Allowance Area on the United Nations Intranet (click on “Insurance” on the quicklinks dropdown menu). Forms acclimated in affiliation with the accumulation activity allowance programme are additionally accessible from that web site. In addition, the aforementioned advice may be accessed via the Internet at the afterward URL: http://www.un.org/insurance

Supersession of above-mentioned annular

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31. The present annular supersedes advice annular ST/IC/2000/96, anachronous 21 December 2000, and all ahead issued advice circulars apropos the United Nations accumulation activity allowance plan.

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