Page 18 - WesternU Sample Guide

Supplemental

Benefits

You may purchase additional insurance from Guardian that will help to cover additional out-of-pocket expenses. These policies
offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn’t. The policies available include Accident,
Critical Illness with Cancer, and Hospital Indemnity insurance. Your premiums are paid through payroll deductions on an after-tax
basis. These Guardian policies are portable, which means that you can keep them should you change jobs or retire, with no
increase in premiums.

Guardian | Accident Guardian | Critical Illness and Cancer
Guardian Accident insurance will pay you a benefit to help Guardian Critical Illness insurance can help you protect yourself
cover your out-of-pocket medical costs in case of an off-the- and your family from the unexpected cost of fighting a life-
job accident. For covered accidental injuries, fixed benefits are threatening illness. You’ll receive a lump-sum cash payment
paid directly to you, regardless of any other coverage. Benefits upon diagnosis of a covered condition such as heart attack,
are paid according to a fixed schedule that includes benefits stroke, kidney failure and cancer. There is no pre-existing
for hospitalization, fractures and dislocations, emergency room condition limitation on this plan. Coverage is offered at
visits, major diagnostic exams, physical therapy, and more. guarantee issue (no medical questions) for up to $15,000 for
This plan is guarantee issue (no medical questions) and does employee, and $10,000 for spouse during the initial eligibility
not have any pre-existing condition limitations. There is also an window. Children are covered at 50% of the employee elected
annual wellness benefit of $50 for completing certain amount with no additional charge. This plan also has a $50
screenings. wellness benefit annually.

Guardian | Hospital Indemnity
Guardian Hospital Indemnity insurance is designed to provide
financial protection for covered individuals by paying a lump
sum benefit if you are admitted to the hospital, as well as a
daily benefit for days spent confined. There are no pre-existing
condition limitations, with the exception of hospitalizations
due to pregnancy, which are covered after 9 months. Benefits
are paid directly to the insured and do not coordinate with any
other benefit payments.

For More Information
Go to www.website.com. You can also give them a
call at (000) 000-0000.