ServicesAncillary Benefits
When an unexpected illness or accident happens, your health insurance is only part of the equation. Deductibles, co-pays, and other out-of-pocket expenses can quickly become expensive. Travel, lodging, household expenses, missed work, and other unexpected costs can add up while you're focused on getting better. That's where supplemental insurance can make a meaningful difference.
Supplemental Coverage That Pays You Directly.
These plans work alongside your existing health insurance to help ease the financial burden of an unexpected hospitalization, critical illness, accident, or other covered event.
One of the biggest advantages is that benefits are often paid directly to you. You have the freedom to use the money however you choose — whether that means helping cover medical expenses, paying the mortgage or utility bills, handling travel and lodging costs, or simply giving your family some breathing room while you recover.
Income & Expense Protection
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Critical illness insurance provides a lump sum cash benefit if you are diagnosed with a covered serious illness. The benefit is typically paid directly to you and can be used however you choose, helping you manage the financial impact of a major health event. Depending on the policy, covered conditions may include heart attack, stroke, cancer, organ failure and other serious illnesses.
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Accident insurance provides cash benefits when you experience a covered accidental injury. Benefits are typically paid directly to you and can help offset the unexpected costs that can come with an accident, including deductibles, co-pays, emergency room visits, ambulance services, medical treatments, and follow-up care.
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Hospital indemnity insurance provides a cash benefit when you are admitted to a hospital for a covered illness or injury. The benefit is generally paid directly to you, helping you manage the additional expenses that can come with a hospital stay. There is often an initial payout with additional amounts for subsequent days admitted.
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Short-term disability insurance helps replace a portion of your income if you are unable to work due to a covered illness or injury. Benefits can provide financial support during a temporary period when you are off work, helping you keep up with everyday expenses such as your mortgage or rent, utilities, groceries, and other bills. These benefits are typically paid out weekly and last for three to six months.
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Long-term disability insurance helps protect your income if a covered illness or injury prevents you from working for an extended period of time. Benefits can provide ongoing income replacement, helping you maintain financial stability when you are unable to earn your regular paycheck. These benefits are usually paid out monthly and last for up to 24 months.
Life Insurance Options
Base Life
A base life insurance plan provides full-time employees with employer-sponsored life insurance at a set benefit amount, giving every eligible employee a valuable level of financial protection. The employer typically pays all or a portion of the premium, making basic life coverage available to employees as part of their overall benefits package. This straightforward benefit can help employers strengthen their benefits offering while providing employees and their families with added financial security.
Voluntary Life
Voluntary life insurance allows employees to purchase additional life insurance through their employer's group benefits plan, typically at competitive group rates. Employees can choose the amount of coverage that best fits their individual needs and generally pay the full cost of the additional coverage through payroll deductions. This benefit gives employees an affordable and convenient way to supplement any employer-provided base life insurance and provide additional financial protection for their families.