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Supplemental Benefits

Accident

Why do I need an Accident plan?

Accident coverage provides a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare and more.

Injury Advantage Plan Premier Plan
Accidental Death EE: $25,000
Spouse: $12,500
Child: $5,000
EE: $50,000
Spouse: $25,000
Child: $5,000
Hospital Admission
ICU
$1,000
$2,000
$1,500
$3,000
Hospital Confinement $250/day $300/day
Fracture Schedule up to $6,000 Schedule up to $8,000
Ambulance Ground: $200
Air: $1,000
Ground: $300
Air: $1,500
Emergency Room $200 $250
Coma $10,000 $12,500
Concussion $200 $300
Wellness Benefit $50 per year $50 per year
Frequently Asked Questions

I have a good medical plan at work. Why would I need additional coverage for accidents?
Accidents can happen any time, to anyone and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

How do I pay for my accident coverage?
Premiums will be conveniently paid through payroll deduction.

Are benefits paid directly to me or to my healthcare provider?
Payments will be paid directly to you.

Is the claims process simple?
Yes. Once all required information is received, claims are generally processed within 10 business days. Only one claim form is needed per accident and every claim is reviewed by a claims professional.

Critical Illness

Why do I need a Critical Illness plan?

No one is ever really prepared for a life-altering critical illness diagnosis. The whirlwind of appointments, tests, treatments and medications can add to your stress levels. Critical Illness coverage helps provide financial support if you are diagnosed with a covered critical illness. With the expense of treatment often high, seeking the treatment you need could seem like a financial burden. Critical Illness coverage helps provide financial support if you are diagnosed with a covered critical illness.

Features and Plan Provisions
  • Employee’s may choose a lump sum benefit of $10,000,$20,000, or $30,000
  • Coverage is available for spouses up to 100% of the face amount elected by the employee and available for children up to 50% of the face amount elected by the employee
  • Includes an annual Wellness benefit that pays you, your spouse, and child $50 per person per year for many common preventive screenings
Plan Benefits Coverage
Heart Attack (Myocardial Infarction) 100%
Sudden Cardiac Arrest 100%
Stroke 100%
Major Organ Transplant 100%
Heart Failure 100%
Kidney Failure (End-Stage Renal Failure) 100%
Cancer (Internal or Invasive) 100%
Non-Invasive Cancer 25%
Skin Cancer Health Screening (payable E&S only) $250/calendar year
Severe Burns 100%
Paralysis 100%

Hospital Indemnity

Medical Insurance covers many of the costs associated with a hospital stay & outpatient surgery, but you could still be left with significant out-of-pocket expenses
Benefits under this program include:

  • $1,000 for a covered hospital admission once per calendar year for a sickness or injury
  • $50 for each day of your covered hospital stay to a maximum of 15 days per calendar year
  • $100 for each day you spend in intensive care up to a maximum of 15 days per calendar year
Why is coverage so valuable?
  • The money is paid directly to you – not to a hospital or care provider. The money can also help you pay out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays, and deductibles.
  • You get affordable rates when you buy this coverage at work.
  • The cost is conveniently deducted from your paycheck.
  • The benefits in this plan are compatible with a Health Savings Account (HSA).
  • You may take the coverage with you when you leave the company or retire, without having to answer new health questions. You’ll be billed directly.