Benefits Infonet


Attention: The information on this site is for 2014 Benefits

If you are looking for 2015 Benefits information, please go to

This portal includes important CNO Benefits information. Click on the tabs below to view details about each section.

2014 Benefits Resources

Learning Modules

How to Enroll in Your Benefits. | Get step-by-step instructions on how to enroll in CNO Benefits.

For Your Health! Wellness Program. |

Understanding Your Medical Plan Options. | Learn more about how CNO's care options medical plan provides valuable tax and long-term savings advantages.

Understanding Health Savings Accounts. | Learn more about HSA eligibility, contributions, IRS rules, how it works, and how to invest.

Simplifying Health Care Reform. | Get more information about the Affordable Care Act and how it affects you.

Healthcare Consumerism | Learn more about how you can be a good consumer of healthcare benefits, why it's important and why you should care.


2014 Benefits at a Glance - New Hires| This guide provides a high level summary of CNO's benefits options, premiums, and wellness incentives.

2014 Benefits Guide| This guide provides detailed information about your benefit options, as well as CNO's wellness program and incentives. You'll find information about how your benefit options work and the semi-monthly premiums for each. You'll also learn more about each of the wellness programs and associated incentives.

How to Enroll | This quick reference provides step-by-step instructions on how to complete your online benefit enrollment.

2014 Summary of Benefits and Coverage| This document allows you to view plan information for each medical option in one standard format.


HSA Ineligibility Affidavit and FSA Enrollment Form| This form must be completed if you've indicated that you are not eligible for an HSA.


Medical provider| CIGNA
Group Number| 2470430| main web site| member web site
Toll Free| 800.CIGNA24

CNO provides two comprehensive medical options. Both options provide you with the opportunity to open a Health Savings Account (HSA) to set aside money for your current or future qualified medical expenses. You also have the opportunity to earn company-provide HSA contributions by completing various wellness activities (see "Wellness" for further details).

Important Medical Resources|

Health Savings Account (HSA)

HSA Provider| JPMorgan Chase
Web site|
Toll Free| (800)244-6224

As a full-time associate at CNO, you are eligible to enroll in one of two medical plan options, which can be paired with a Health Savings Account (HSA) to help you put money aside for current or future qualified medical expenses. Learn more about the HSA by referring to the 2012 Benefits Guide, and by accessing the following resources:

Wellness - For Your Health!

The CNO For your Health! wellness program provides tools and resources to associates and their family members to improve or maintain their health. If you are enrolled in a CNO medical plan option, you and your family members can complete wellness tasks and earn wellness incentives into your HSA.

Wellness Information|

Wellness provider | OurHealth

OurClinics at CNO|

Weight Management Programs (NEW)|

Other Important Wellness Links|


Dental providers|
Toll Free| (800)367-1037

Delta Dental (PPO and Passive PPO)
Toll Free| (800)524-0149

CNO provides three different dental coverage options to meet the needs of you and your family. The following resources will provide you with details regarding the dental options, as well as how to use your dental benefits.


Vision provider| VSP
Toll Free| (800)877-7195

CNO provides VSP vision coverage to support the visual wellness of you and your family. The following resources will provide you with details regarding the VPS vision benefits.

Health Care and Dependent Care Flexible Spending Accounts

FSA provider| WageWorks
Phone| (877) 924-3967

Health care and dependent care FSAs allow you to set aside pre-tax dollars to help pay for your health and dependent care (i.e. child care) needs. After you incur eligible expenses and submit appropriate receipts with your completed claim form, you'll be reimbursed with tax-free dollars from your account.

Deadlines for Claims Submissions: You have until December 31st of each plan year to incur eligible claims. You must submit those claims for reimbursement by March 31st of the following year. Otherwise unused funds will be forfeited.

Refer to the FSA section of the Benefits Guide for more details on FSA.

Important FSA documents and Forms|

Sun Life Company-Paid and Supplemental Life Insurance

Life Insurance Provider| SunLife Finacial
Policy Number| 214706
Toll Free| (800)247-6875

All associates are provided with company-paid life insurance in the amount of 1 times their base salary. This is an automatic benefit - you do not need to elect this benefit, nor do you have to submit evidence of insurability.

Associates also have the option of electing supplemental life insurance for themselves, their spouse, and/or their children. (Note: In order to elect supplemental coverage for a spouse or child(ren), the associate must also elect supplemental coverage for themselves.) Details regarding coverage amounts, premiums, and evidence of insurability rules can be found in the Benefits Guide.

Important Life Insurance Resources|

    • Submitting Evidence of Insurability
    • SunLife Portability: You must submit the following two forms to SunLife Financial within 31 days of your employment termination in order to apply for Life Insurance portability:
SunLife Portability Kit
SunLife Portability Application

Long-Term Disability

LTD Provider| Cigna
Policy Number: FLK960676
Toll Free| (888)842-4462

Associates also have the option of purchasing a 20% buy-up option, which will increase your LTD benefit to 60% of your monthly earnings, up to $15,000, if you become disabled and are approved for long-term disability coverage.

Please refer to the Benefits Guide for further details regarding LTD coverage.

Important LTD Resources and Forms

Employee Assistance Program (EAP)

EAP Provider| Managed Health Network (MHN)| member web site (company code| cno)
Toll Free|(800)977-7637

EAP, provided by Managed Health Network (MHN), is a company-paid benefit for all CNO associates and their dependents. From financial and legal advice to individual and marital counseling, EAP offers a wide range of services to help you and your family manage life's challenges. Associates are automatically enrolled for this benefit. Refer to the information below for more information about the valuable benefits offered through EAP.

CNOSave Plus 401k Plan

CNOSave Plus 401k Administrator | Prudential
Toll Free Voice Response Service | 877.778.2100
Prudential Online Retirement Center

The CNOSave Plus 401k plan is provided to help CNO associates save tax-deferred funds for retirement. Prudential is the administrator for our 401k plan, and they offer many investment options, ranging from conservative to agressive, to help you meet your investment goals. Associates can contribute from 1-30% of their paycheck on a pre-tax basis, up to the IRS annual maximum limit. The resources below provide further details regarding the CNOSave Plus 401k Plan.

Transportation Savings Plan (Chicago and Philadelphia associates only)

TSP provider | WageWorks
Phone | (877) 924-3967

The Transportation Savings Plan (TSP) is a tax code provision that allows you to redirect a portion of your wages, on a pre-tax basis, to pay for work-related parking and/or mass transit commuting expenses. To receive these benefits, you must elect the amount you want to contribute up to the statutory dollar amount limits. In turn you will be reimbursed for eligible expenses up to that amount on a tax-free basis. Eligible expenses include: commuter trains, park and ride, buses, parking, and van pooling (at least six passengers). For more information regarding this benefit, refer to the information listed below.

WNIC and Bankers Life Products

WNIC| Supplemental Product Specialist (800) 628-6428

Bankers Life| Supplemental Product Specialist (765) 289-2264 ext. 150

Benefits Forms

Other Summary Plan Descriptions and Benefits Documents