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Voluntary Benefits 

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Accident insurance plans can help offset the unexpected medical expenses that may result from a covered accidental injury. Typically, they cover some of the costs related to initial care, surgery, transportation and lodging, as well as follow-up care.



Disability insurance replaces a percentage of an employee’s income if they become disabled as a result of a covered injury or sickness, to help them continue to pay their bills while they’re out of work. Generally, length of disability coverage can vary from 3–12 months (for short-term disability) to 1 or more years (for long-term disability).

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Cancer insurance offers benefits to assist with out-of-pocket costs for cancer diagnosis that may not be covered by major medical. Coverage includes expenses related to inpatient or outpatient treatment, surgery, travel and recovery care. Some plans may also cover annual cancer screenings to promote prevention and early diagnosis.


Critical Illness

Critical illness insurance provides a benefit for an employee diagnosed with a covered critical illness, such as heart attack, stroke, coronary artery bypass surgery, end-stage renal failure or major organ transplant — among others. A lump sum benefit is typically paid directly to the employee to cover costs related to their illness.
• Infectious disease rider: Supplements critical illness plans that covers multiple diseases including COVID-19.

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Hospital Indemnity

Hospital indemnity insurance, also known as hospital confinement, provides a lump sum benefit to help with out-of-pocket costs related to a hospital stay. This may include hospital childbirth, outpatient surgery, diagnostic tests, doctor’s appointments and emergency room visits.

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Dental insurance can provide benefits for both routine and more expensive dental procedures that are not covered by most health insurance plans. They typically include cleaning, fillings, sealants, tooth removal, crowns and dentures — and may also provide benefits for regular dental appointments.

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Regular eye exams help maintain healthy vision and are the first line of defense in detecting more serious eye conditions, such as glaucoma, high blood pressure and diabetes. Vision insurance typically helps pay for eye exams, glasses and contact lenses. They may also offer discounts on treatments such as laser eye surgery or eye care accessories.

Complimentary Benefits and services are provided to employees at no cost.

Additional complimentary benefit options available based on group size.

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Life Insurance

Life insurance pays out a lump sum to help provide financial protection for an employee’s family members in the event of the employee’s death. Coverage can be updated to reflect changes in life such as getting married, buying a home or having a child. Most plans offer spouse and child coverage, as well.

There are two types of life insurance, term life and whole life.

Term life: Provides financial protection for employees for their high-demand working years typically in 10-, 20- or 30-year terms.

Whole life: Provides financial protection for employees during their working and retirement years with permanent coverage at rates that remain consistent for life. Often includes cash value.

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