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SUPPLEMENTAL BENEFITS

Having a choice is important!  Lifestyles and needs differ from one person to the next.  By making supplemental insurance available to your employee’, you will be providing them the opportunity to select the types of coverage to meet their personal and family needs.  Supplemental insurance premiums are typically paid by the covered employee as a payroll deduction.  Offering supplemental insurance to your employee’ greatly enhances the companies total employee benefits package and does so at no added cost to the company.

The following supplemental insurance benefits can be made available at your company:

Disability Insurance – Replaces a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness.

Accident Insurance – Helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-payments that can result from a fracture, dislocation or other covered accidental injury.

Cancer Insurance – Helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most, medical plans don’t cover.  This coverage also provides a benefit for specified cancer-screening tests.

Critical Illness Insurance – Complements your major medical coverage by providing a lump-sum benefits that you can use to pay the direct and indirect cost related to a covered critical illness, which can often be expensive and lengthy.

Life Insurance – Enables you to tailor coverage for your individual needs and helps provide financial security for your family members.

Hospital Confinement Insurance – Provides a lump-sum benefit for a covered hospital confinement and a covered outpatient surgery to help offset the gaps caused by co-payments and deductibles that are not covered by most major medical plans.

The coverage’s we provide share important features:

 

  With most plans, you can continue coverage (portable) when you retire or change jobs, with no increase in premium.

  Coverage is available for your spouse and children with most products.

  Benefits are paid directly to covered person, unless you specify otherwise.

  With most plans you receive benefits regardless of any other insurance you may have with other insurance companies.

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