Workplace Voluntary Benefits
You want benefits that fit your specific situation. We'll work closely with your employer, get to know your needs, and design a workplace voluntary benefits strategy that works best and complements other benefits plans you may have.
Value of voluntary coverage
You'll find our employee-paid voluntary benefits to be convenient and economical. It's easy to apply. We offer these products:
- Life
- Disability
- Accident
- Critical Illness
- Supplemental Health
Voluntary Life Insurance
You and your loved ones probably have a long list of goals: a new home, a once-in-a-lifetime family vacation, college for the children, a comfortable retirement. But if you died prematurely, what would happen to them? Life insurance is one way to protect all that you and your loved ones have, as well as your dreams.
Key features
- Flexible plans with a variety of benefits to match your individual needs and those of your family
- Enables coverage beyond the basic plan with the advantages of group rates as well as guaranteed issue options
- Fast, efficient claims turnaround from caring, experienced Customer Care specialists
Term life insurance
More than vanilla life insurance, you can elect to add a critical illness acceleration benefit to the plan. By accelerating all or a portion of the life benefit, you can use the money to help combat the high costs of treating and coping with cancer, heart attack, stroke and other conditions.
Plan Overview
- Level coverage for 10 or 20 years
- Portability and convertability for terminated employees.
- Work Life benefits that offer an exclusive web portal and 24/7 grief counseling
- Terminal Illness Benefits accelerate payment of the life insurance death benefit
- Whole life offers three paid-up options and coverage may be extended to your spouse and children. Whole life insurance is a solid foundation to build a long-term financial plan on because it guarantees lifetime protection for your family.
Plan Overview
- Guaranteed cash value and death benefit
- You may take a loan against the policy
- You may port coverage should you leave your current employer
- Terminal illness benefit equal to 50 percent of the face amount
- Optional Benefit Increase Rider, Term Rider and AD&D
Voluntary Disability Coverage
The benefit can cover everyday costs such as housing, food, car payments, as well as additional medical costs if you can’t work due to illness or injury. The plans help you focus on what’s most important: a full recovery and successful return to the workplace as soon as possible.
Key features
- Variety of benefit amounts, elimination periods, and benefit periods
- Non-occupational (off-the-job) coverage for disability resulting from an injury or illness, depending on the benefits selected
Product details
- Policies that allow for a "custom fit" for you
- Benefits for are paid in addition to any existing coverage
Individual disability insurance
Covers non-occupational injury or sickness up to three years with coverage up to $5,000 per month. The goal is to help you return to work quickly and the partial disability provision pays a portion of the disability benefit when performing between 20 percent and 80 percent of the work schedule
Plan Overview
- Lump sum benefit of 12x the monthly benefit if you are diagnosed with a terminal illness
- Optional Riders to enhance coverage such as hospital confinement, COBRA and 24-hour coverage
Group disability insurance
Covers non-occupational injury or sickness up to $3,000 per month. Plan can be customized
Plan Overview
- Lump sum benefit of 12x the monthly benefit if you are diagnosed with a terminal illness
- Optional Riders include AD&D and Emergency Accident
