1. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy form MOEBP15DEN; AXEBP15DEN; MOEBP18DEN; MOEBP19DEN; AXEBP19DEN; MOEBP19DEN_PPO; and state variations. Availability is subject to state approvals.
   
   New York State: This policy provides DENTAL insurance only. The expected benefit ratio for this policy is 60 percent for groups covering less than 50 persons and 65 percent for groups covering 50 or more persons. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. 
2. This policy provides vision care limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. Plan documents are the final arbiter of coverage. Policy form MOEBP15VN; AXEBP15VN; and state variations. Equitable is not affiliated with VSP^®.
   
   New York State: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 60 percent for groups covering less than 50 persons and 65 percent for groups covering 50 or more persons. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
   
3. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. Plan documents are the final arbiter of coverage. Policy form ICC18 MOEBPLI; ICC18 AXEBPLI; MOEBP0618 LI; AXEBP0618 LI; and state variations.
4. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. THIS POLICY IS NOT A MEDICARE SUPPLEMENT PLAN. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. Policy form AXEBP15DI, MOEBP15DI and state variations.
   
   New York State: This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this short-term disability policy is 67.1% and for long-term disability is 66 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
   
5. This policy provides limited benefits. This coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage), and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. This policy is not a Medicare supplement plan. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Plan documents are the final arbiter of coverage. Policy form MOEBP19 ACC; AXEBP19 ACC and state variations. Availability is subject to state approvals.
   
   New York State: This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.  
   
   IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS
6. In some states, critical illness insurance is referred to as specified disease insurance. Critical illness insurance is a limited benefit policy. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. This policy is not a Medicare supplement plan. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. This overview is preliminary to the issuance of the policy and certificate. The policy, certificate and rider, if applicable, may not be available in all states and may vary based on state laws and regulations. Policy form AXEBP19 CI; MOEBP19 CI and state variations. Availability is subject to state approvals.  
   
   New York State: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 70 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy.
7. This policy provides limited benefits. Exclusions apply and will vary by state. The certificate contains the full list of applicable exclusions that restrict benefit payments for hospitalizations or other insured treatments. Hospital does not include certain facilities, such as nursing homes, convalescent care or extended care facilities. The following limitations may apply: Pregnancy waiting period: An insured must complete the pregnancy waiting period as shown in the benefit schedule before becoming eligible for benefits for normal pregnancy or child birth under the policy. If the insured receives treatment for pregnancy or childbirth during this pregnancy waiting period, benefits are not payable. If the insured becomes confined as the result of pregnancy or childbirth prior to completing the pregnancy waiting period, benefits will only be payable for any day of confinement that extends after the end of the pregnancy waiting period. This limitation does not apply to complications of pregnancy. Preexisting condition limitation: We will not pay any benefit for any sickness that is diagnosed or treated during a time specified in the certificate following the effective date of any insured’s insurance and results from a preexisting condition. Preexisting condition means during an exclusionary period prior to any insured’s effective date of insurance or the effective date of an increase in any insured’s amount of insurance, any condition for which any insured: sought medical treatment, consultation, advice, care or services, including diagnostic measures for the condition, regardless of whether the condition was diagnosed or suspected at that time; took prescribed drugs or medicines for the condition. When newborn children, newly placed foster children or newly adopted children are added to your dependent children insurance within 31 days of the birth, placement or adoption, the preexisting condition limitation does not apply. Hospital indemnity insurance is a limited benefit policy. It does not provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. This policy is not a Medicare supplement plan. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. For costs and complete details of the coverage, please see the actual policy or contact your benefits representative. Benefits payable are subject to all terms and conditions of the certificate. This overview is preliminary to the issuance of the policy and certificate. The policy, certificate and rider, if applicable, are subject to state approvals and may vary based on state laws and regulations. Policy formMOEBP22 HI, AXEBP22 HI and state variations. 
   
   New York State: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for this policy is 65 percent. This ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with this policy. 
   
   NEW MEXICO BROKERS, EMPLOYERS AND RESIDENTS: This advertisement is not currently directed to, applicable to or intended for any person residing in New Mexico. 

All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and are backed solely by their claims-paying obligations. Some products are not available in all states.