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Group Hospital Indemnity Medical Coverage
Hospital Indemnity insurance with Alac is designed to provide
inancial assistance for an event that results in a hospital coninement,
to supplement your current coverage. Employees can use the beneit
shown below, to meet any out-of-pocket expenses and extra bills that can
occur. Beneits are paid directly to you, regardless of the actual cost of
treatment.
Beneit Type Beneit Amount
Hospital Admission Beneit $1,000
Daily Hospital Coninement Beneit (up to 10 days) $200
Daily Hospital ICU Beneit (up to 10 days) $400
Coverage Tier Bi-Weekly Weekly
Employee $8.68 $4 .34
Employee/Spouse $17 .46 $8.73
Employee/Child(ren) $13 .93 $6 .96
Family $22 .71 $11 .35
Short Term Disability
All full-time employees working 30 hours or more per week are eligible
to purchase short term disability through Alac. If you are working at a
full-time job while coverage is in force and a covered off-the-job injury or
illness causes you to become totally disabled, Alac will pay the following
beneits.
Disability Coverage
Beneit Percentage Maximum 60% of base monthly income
Monthly Beneit Minimum $400
Monthly Beneit Maximum $3,500
Elimination Period*—Accident 7 days
Elimination Period*—Sickness 7 days
Beneits Duration 3 months
* This is the waiting period between the start of the disability and the beginning of paid
beneits
Age Bands Rate per $100 Monthly Beneit
18-49 $3 .20
50-64 $3 .34
65-74 $3.81
Plan Details
You can purchase up to a monthly beneit maximum of $3,500 on a
guaranteed issue basis. No medical questions will be asked.
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Hospital Indemnity insurance with Alac is designed to provide
inancial assistance for an event that results in a hospital coninement,
to supplement your current coverage. Employees can use the beneit
shown below, to meet any out-of-pocket expenses and extra bills that can
occur. Beneits are paid directly to you, regardless of the actual cost of
treatment.
Beneit Type Beneit Amount
Hospital Admission Beneit $1,000
Daily Hospital Coninement Beneit (up to 10 days) $200
Daily Hospital ICU Beneit (up to 10 days) $400
Coverage Tier Bi-Weekly Weekly
Employee $8.68 $4 .34
Employee/Spouse $17 .46 $8.73
Employee/Child(ren) $13 .93 $6 .96
Family $22 .71 $11 .35
Short Term Disability
All full-time employees working 30 hours or more per week are eligible
to purchase short term disability through Alac. If you are working at a
full-time job while coverage is in force and a covered off-the-job injury or
illness causes you to become totally disabled, Alac will pay the following
beneits.
Disability Coverage
Beneit Percentage Maximum 60% of base monthly income
Monthly Beneit Minimum $400
Monthly Beneit Maximum $3,500
Elimination Period*—Accident 7 days
Elimination Period*—Sickness 7 days
Beneits Duration 3 months
* This is the waiting period between the start of the disability and the beginning of paid
beneits
Age Bands Rate per $100 Monthly Beneit
18-49 $3 .20
50-64 $3 .34
65-74 $3.81
Plan Details
You can purchase up to a monthly beneit maximum of $3,500 on a
guaranteed issue basis. No medical questions will be asked.
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