SUPPLEMENTAL PROGRAMS
SHORT TERM DISABILITY
Helps you pay everyday living expenses and out-of-pocket expenses not covered by major medical plans. Provides monthly benefits to replace a portion of your income if you’re unable to work due to a covered disability (off-job accident, illness or pregnancy).
ACCIDENT
True 24 hour protection for both on and off-the-job injuries. Provides cash for medical expenses (even if covered by medical insurance), income for lost wages, hospital stays, dislocations and fracture benefit, and accidental death and dismemberment.
Pays directly to you over-and-above any other coverage in-force.
Benefit is portable, (you can take it with you) with no change in price even if you change jobs.
CRITICAL ILLNESS
Provides lump sum upon diagnosis of a covered critical illness for you to use where it’s needed most. You can select from a $10,000 or $20,000 benefits. This benefit amount can help with deductibles, coinsurance, caregivers, special medical equipment, loss of income or extra living expenses.
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