Supplemental Health Plans

Accident Insurance is designed to help you meet the out-of-pocket expenses and extra bills that can follow an accidental injury, whether minor or catastrophic. Lump-sum benefits are paid directly to you based on the type of injury and plan selected. You can use these funds to offset deductible expenses or simply to help make ends meet. See plan coverage highlights below and refer to the full plan summary for additional details.

Critical Illness insurance helps employees offset the financial effects of a catastrophic illness with a lump-sum benefit if an insured is diagnosed with a covered critical illness. The Critical Illness benefit is based on the amount of coverage in effect on the date of diagnosis of a critical illness or the date treatment is received. Age-banded premium rates are based on the age at issue and will change on the policy anniversary date coinciding with or next following you or your dependent spouse’s last birthday. Your dependent spouse’s age, for purposes of determining premium, is equivalent to your age. A high-level summary follows, but see the plan summary for full details.

Hospital Indemnity insurance provides a range of fixed, lump sum daily benefits to help cover costs associated with a hospital admission, including room and board costs. These benefits are paid directly to you following a hospitalization that meets the criteria for benefit payment. All coverage is available without pre-existing condition limitations and on a full guaranteed issue basis, meaning no medical underwriting is required. Policies are 100% employee-paid through the convenience of payroll deduction. See plan coverage highlights below and refer to the full plan summary for additional details.