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VOLUNTARY BENEFITS

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Accident Summary
Critical Illness Summary
Hospital Indemnity Summary
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Voluntary Accident & Injury

No one plans to have an accident. But, it can happen at any moment throughout the day, whether at work or at play. Most major medical insurance plans only pay a portion of the bills. Our policy can help pick up where other insurance leaves off and provide cash to cover the expenses. Payment is made directly to you, and you can determine how best to use these funds. Our accident coverage helps offer peace of mind when an accidental injury occurs.

Employee Contributions (Semi-Monthly 24 per year)
  Low Plan High Plan
Employee $2.81 $6.07
Employee & Spouse $4.58 $9.59
Employee & Child(ren) $4.78 $10.05
Employee & Family $6.55 $13.58

Voluntary Critical Illness

Critical Illness insurance provides you with a lump sum (of up to $20,000) benefit if you are diagnosed with one of the following critical conditions: Heart Attack, Major Organ Failure, End-Stage Kidney Disease, Stroke, Coronary Bypass Surgery, Invasive Cancer, Cancer in Situ or Skin Cancer. You are free to use this money to help cover any costs associated with illness or for any reason that you wish.

Critical Illness is a voluntary benefit for you and your family. Note, employee coverage must be elected in order to cover dependents. Premium deductions for this voluntary benefit occur on an after-tax basis.

Employee premiums will be automatically calculated in the Benefits portal.
  Benefit Summary
Lump Sum Employee: from $5,000 to $20,000 (in increments of $5,000)
Spouse: from $2,500 to $10,000 (in increments of $2,500 and amount cannot exceed 50% of employee amount)
Child: 25% of employee benefit amount
Guaranteed Issue: Employee: $20,000
Spouse: $10,000
Child: all child amounts are guaranteed
Eligibility Waiting Period First of the month following 30 days of employment

Voluntary Hospital Indemnity

A Hospital Indemnity insurance plan through Guardian provides:

  • A cash benefit when you are admitted to a hospital, whether these charges are covered by your medical plan or not
  • Benefit payments sent directly to you and can be used for any purpose – from covering medical copays and deductibles to paying for everyday expenses such as the mortgage, groceries, and utilities
  • Ability to take the coverage with you if you change jobs or retire
  Low Plan High Plan
Hospital/ICU Admission $1,000 per Admission, limited to 1 admission(s) per insured and 3 admission(s) per covered family per benefit year $2,000 per Admission, limited to 1 admission(s) per insured and 3 admission(s) per covered family per benefit year 
Hospital/ICU Confinement $100/$100 per day, limited to 15 day(s) per insured per benefit year $100/$100 per day, limited to 15 day(s) per insured per benefit year. 
Children Age Limit Children age birth to 26 years Children age birth to 26 years
Employee Contributions (Semi-Monthly 24 per year)
  Low Plan High Plan
Employee $4.87 $8.47
Employee & Spouse $12.04 $21.08
Employee & Child(ren) $8.86 $15.26
Employee & Family $16.04 $27.88

Informational Videos

 

Accident Insurance

Accident Insurance

Critical Illness Insurance

Critical Illness Insurance

Hospital Indemnity Coverage

Hospital Indemnity Coverage