Page 20 - iFLY Benefit Guide 01-20

Worksite 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 and Critical Illness 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
Accidents happen every day. Did you know almost 39 When you or a family member suffers a serious illness
Million emergency room visits a year are due to an like a stroke or heart attack, Critical Illness Insurance can
injury? If you were injured from an accident, chances are help with expenses that medical insurance doesn't cover
you will have expenses that you were not anticipating- like deductibles or out of pocket costs, or services like
will you be prepared? Accident Insurance can help you experimental treatment. Critical Illness supplements
deal with those expenses. Benefit payments can help your medical and your disability income insurance. The
you with your medical deductibles and co-pays, and lump sum benefit is paid when you need it most, upon
cover household expenses like groceries, mortgage diagnosis, so you can rest assured that you will have
payments and childcare, which can begin to pile up if funds to offset upcoming out of pocket costs, and that
you have to take some time off from work. you'll have the flexibility to elect treatments with less
worry about the cost. Review your options and enroll
Benefit Amounts today!
 Employee: $25,000
 Spouse or Registered Domestic Partner: $12,500 Guarantee issue
 Child: $5,000 Guarantee issue is a pre-approved amount of coverage
that does not require you to provide proof of good
Wellness Benefit health, and is available to you at the time of your hire
An additional $50 wellness benefit includes coverage for and initial enrollment. Guarantee issue is available in the
screenings and procedures such as well visits, amount of $20,000 for Team Members under the age of
mammography, colonoscopy, pap smear, PSA, serum 70. Team Members over 70, Spouses and Children are
cholesterol test, completion of smoking cessation and all required to fill out a health questionnaire (Evidence of
weight reduction programs, and many more. You must Insurability) to obtain the Critical Illness insurance.
be enrolled in a major medical plan for yourself and
your covered dependents to elect this plan. Age Plan Options
restrictions apply. Plan options are available so you can select the level of
coverage that is best for you:
 Employee: You may choose a lump sum benefit of
$5,000 to $25,000 in $5,000 increments.
 Spouse or Registered Domestic Partner: You may
choose a lump sum benefit of $2,500 to $12,500 in
$2,500 increments up to 50% of the employee’s
lump sum benefit.
 Child: The child benefit will be 25% of your
employee elected benefit.

Wellness Benefit
An additional $50 wellness benefit is included.

For More Information
Go to www.guardiananytime.com. You can also give them a
call at (888) 600-1600.

20 Team Member Benefits