Plan benefit options
These multilayered plan designs may include options for:
- Combination benefits covering accidents, sickness, or both
- Off-the-job coverage or 24-hour coverage
- Elimination periods, or the number of continuous days - beginning with the first day of total disability - before any monthly benefit amount is payable
- Benefit periods for which monthly income benefits are payable after the elimination period ends - these often include choices of 90 days, six months, one year, two years, or three years
- Portability, depending on whether the plans are offered individually or as a group, and the length of time an employee is employed before being terminated - voluntarily or involuntarily
Optional riders cover categories such as emergency accidents, outpatient sickness, hospital indemnity, and COBRA expenses.
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