Page 16 - Watermark Retirement Communities 2022 Benefits Guide Logan Square Union Before

Voluntary Plans
Accident Insurance
Accident Insurance provides benefits to help cover the
costs associated with unexpected bills due to covered
accidents, regardless of any other insurance you have. If
you purchase coverage and are hurt in a covered
accident, you will receive
a cash benefit for covered injuries that you may spend as
you like.
 Coverage is guaranteed during open enrollment; there
are
no medical exams or tests to take
 Pre-existing conditions do not preclude applicants from
coverage
 Affordable High/Low options available
 Benefits paid directly to you
This coverage is available through MetLife.
Critical Illness Insurance
Critical Illness Insurance provides cash to help pay for
both medical expenses not covered by your medical plan
as well as day-to-day expenses that may start to add up –
like rent, mortgage, car payments, etc. – while you are ill.
With Critical Illness Insurance, if you are diagnosed with a
covered illness, you get a lump-sum cash benefit, even if
you receive other insurance benefits.
 Benefits are paid directly to you
 Individual, spouse and child(ren) coverage options are
available
 Covered dependents receive 50 percent of your basic
benefit amount and 100 percent of the Wellness
benefit
 Coverage is portable
 Benefits include these covered conditions: heart attack,
stroke, invasive cancer, coma, paralysis and more
 Coverage does not replace any other group medical
benefits. Instead, it is designed to supplement present
coverage
This coverage is available through MetLife.
Register for the MetLife MyBenefits Portal to access plan information and file claims for these MetLife plans.
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Hospital Indemnity Insurance
Hospital Indemnity Insurance provides a fixed lump-
sum payment that can help cover hospital expenses
not covered by insurance, or to pay for expenses
while you, your spouse/same-sex domestic partner
and/or dependents are in the hospital.
 Coverage is guaranteed during open enrollment;
there are no medical exams or tests to take
 Pre-existing conditions do not preclude applicants
from coverage
 Affordable High/Low options available
 Benefits paid directly to you
This coverage is available through MetLife.
Identity Theft Protection
Identity Theft is designed to protect your identity
and assets through identity, credit and social media
monitoring. Enrolling your family extends protection
to anyone in your household. The plan includes:
 Identity and credit monitoring
 Annual credit report and monthly credit score
tracking
 Social media reputation monitoring
 Digital wallet storage and monitoring
 Full-service identity restoration
You have a choice between PrivacyArmor and
PrivacyArmor Plus.
This plan is available at a low monthly group rate,
which you can pay through automatic payroll
deductions.
This coverage is available through Allstate.