Page 18 - 2016 Benefit Booklet AYN
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Page 18


                                 Voluntary Accident, Cancer, Critical
                                 Illness, Hospital Indemnity

                                 Provided by TransAmerica



                                 Accident
                                    Accident protections for yourself and family
                                    Coverage guaranteed at initial enrollment, no tests as long as
                                     eligibility requirements are met!
                                    Benefits paid directly to the insurer
                                    Coverage is completely portable at the same rates


                                 Cancer
                                    Coverage for the entire family Wellness Screening benefit (see
                                     brochure for details)
                                    Waiver of premium after 60 days of the total disability due to cancer
                                     as long as the disability lasts
                                    12/12 Pre-existing condition limitation applies


                                 Critical Illness
                                    Coverage supplements existing medical benefits to help bridge the
                                     gap of added out of pocket costs due to critical illness.
                                    100% coverage when you have a heart attack, stroke and major organ
                                     failure,  End Stage Renal Failure, just to name a few


                                 Hospital Indemnity
                                    Pays a specified amount for each day an insured person is confined to
                                     the hospital through a series of optional riders, that can provide
                                     benefits for a range of other medical situations.
                                    Coverage is for employee and family members
                                    Coverage cost less than $12 per month




                                       Issue age is 18 & over for all above supplemental coverage.
                                           Accident, Cancer and Critical Illness are pre-taxed.
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