Voluntary Benefits
Critical Illness Insurance:
Group Critical Illness Plan Features:
- Coverage from $5,000 to $30,000 for employees and spouses
- Dependent coverage is available
- Lifetime maximum benefit per category
- Subsequent occurrence benefit
- Recurrence benefit
- FMLA/MSLA continuation
- Portability
- Wellness (Health Screening) benefit
Accident Insurance:
Group Accident Plan Features:
- All coverage is Guaranteed Issue — no medical underwriting
- Three different plan levels available
- Employee-only, employee + spouse, employee + child(ren) and family rates
- Portability
- FMLA/MSLA continuation
- Wellness benefit standard
Long Term Disability Insurance:
Voluntary & Core Long Term Disability Plan Features:
- Maximum long term benefits up to $7,500 per month
- Elimination periods of 30 or 90 days
- Benefit duration up to Social Security Normal Retirement Age
Additional Term Life Insurance:
Group Term Life Plan Features:
- Incremental coverage from $10,000 to $500,000 for employees and spouses
- Guaranteed issue amounts for employees — often for spouses, too
- Dependent child(ren) coverage (guaranteed issue)
- Employee can elect spouse-only or spouse and dependent children-only coverage
- Accelerated Death Benefit included
- Portability and conversion included
- Tobacco user/Non-Tobacco user rates may be available
