Page 13 - 2020-21 Sample Benefits Guide
P. 13
[Company Name] Benefits Enrollment Guide
Additional Voluntary Coverage
Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family
member experienced a covered accident, illness, or hospitalization. [Carrier’s] Accident, Critical Illness, and Hospital
Indemnity coverage can supplement your health plan and provide you and your family with the additional inancial
protection you may need. These plans pay beneits directly to you and you decide how to use the beneit.
Accident Coverage Critical Illness Coverage
Accidents can happen in an instant. When they do, There are a lot of expenses associated with a critical
medical bills can pile up quickly. Our accident insurance illness and a major medical plan usually won’t cover
pays you a tax-free beneit after a covered accident so them all. Critical Illness coverage helps you focus on
you can focus on what’s truly important—getting better. recuperation instead of being distracted by the extra
More than 150 events resulting from non-work-related expenses you may be facing. Similar to life insurance
injuries or accidents are covered by this plan. which pays your beneiciary a lump-sum beneit upon
death; a critical illness plan pays you a cash beneit upon
Accident Premiums a diagnosis of a covered illness. Covered diagnoses
include but are not limited to the following.
Coverage Level You Pay
Employee Cancer
Employee + Spouse Heart attack
Employee + Child(ren)
Family Organ Failure
Stroke
Example: Broken Ankle $ Paid to You
Emergency Room $ Insert according to plan document Critical Illness Premiums
X-Ray $ Insert according to plan document Coverage Level You Pay
Broken Ankle, Closed $ Insert according to plan document Employee
Reduction (no surgery)
Ankle Brace $ Insert according to plan document Employee + Spouse
Crutches $ Insert according to plan document Employee + Child(ren)
Physical Therapy (six $ Insert according to plan document Family
sessions)
Physician Follow-Up $ Insert according to plan document
Total Dollars Payable to $ Wellness Benefit
Employee
This beneit pays $XX per calendar year per insured
individual if a covered health screening test is performed,
including blood tests, chest x-rays, stress tests,
mammograms, and colonoscopies. A full list of covered tests
will be provided in your certiicate.
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Additional Voluntary Coverage
Regular expenses, big and small, can add up. Think about your ability to pay for those expenses if you or your family
member experienced a covered accident, illness, or hospitalization. [Carrier’s] Accident, Critical Illness, and Hospital
Indemnity coverage can supplement your health plan and provide you and your family with the additional inancial
protection you may need. These plans pay beneits directly to you and you decide how to use the beneit.
Accident Coverage Critical Illness Coverage
Accidents can happen in an instant. When they do, There are a lot of expenses associated with a critical
medical bills can pile up quickly. Our accident insurance illness and a major medical plan usually won’t cover
pays you a tax-free beneit after a covered accident so them all. Critical Illness coverage helps you focus on
you can focus on what’s truly important—getting better. recuperation instead of being distracted by the extra
More than 150 events resulting from non-work-related expenses you may be facing. Similar to life insurance
injuries or accidents are covered by this plan. which pays your beneiciary a lump-sum beneit upon
death; a critical illness plan pays you a cash beneit upon
Accident Premiums a diagnosis of a covered illness. Covered diagnoses
include but are not limited to the following.
Coverage Level You Pay
Employee Cancer
Employee + Spouse Heart attack
Employee + Child(ren)
Family Organ Failure
Stroke
Example: Broken Ankle $ Paid to You
Emergency Room $ Insert according to plan document Critical Illness Premiums
X-Ray $ Insert according to plan document Coverage Level You Pay
Broken Ankle, Closed $ Insert according to plan document Employee
Reduction (no surgery)
Ankle Brace $ Insert according to plan document Employee + Spouse
Crutches $ Insert according to plan document Employee + Child(ren)
Physical Therapy (six $ Insert according to plan document Family
sessions)
Physician Follow-Up $ Insert according to plan document
Total Dollars Payable to $ Wellness Benefit
Employee
This beneit pays $XX per calendar year per insured
individual if a covered health screening test is performed,
including blood tests, chest x-rays, stress tests,
mammograms, and colonoscopies. A full list of covered tests
will be provided in your certiicate.
13
