When life throws you a curve ball, our voluntary benefits provide an added layer of financial protection for you and your family. These benefits will help cover extra out-of-pocket expenses if you or your eligible family members suffer an unexpected serious illness or qualifying accident.

Accidents can happen when you least expect them. While you can’t plan for when an accident will occur, you can protect yourself financially. Accident insurance, administered by MetLife, provides direct payments for you to use however you wish in the case of over 150 different off-the-job accidents that result in the following medical services and treatments, including:

  • Ambulance
  • Emergency care and/or follow-up care
  • Inpatient/outpatient surgery
  • Medical testing (e.g, CT, x-rays, MRIs)
  • Therapy services

Health Screening Benefit: Each person covered under Accident Insurance is eligible to receive a $50 benefit per calendar year for taking one of over 40 health screenings. These screenings include blood test for cholesterol, colonoscopy, and endoscopy.

Critical illness insurance, administered by MetLife, provides you a lump sum payment when you need it so you can focus on what matters most – getting better. You have the option to purchase coverage of $15,000, $30,000, or $50,000. Covered critical illnesses include, but are not limited to:

  • Cancer
  • Heart attack
  • Stroke
  • Alzheimer’s disease
  • Major organ transplant
  • 7 childhood diseases

Hospital stays can add up fast and medical coverage doesn’t always cover the entire stay. Hospital indemnity insurance, administered by MetLife, typically provides a flat amount for a hospital admission and a per day amount for the duration of your hospital stay. This plan includes coverage for:

  • Hospital admission
  • Hospital/ICU stays
  • Inpatient rehab unit stays

If you suddenly need long term care, like a nursing home or assisted living, would your family be able to afford this cost? Life with Long Term Care, provided by Chubb, is here to help. This coverage can pay you directly if you need long term care or it can pay benefits to your loved ones in the event of your death.

Resources

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