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Voluntary Life and AD&D Insurance

Employee Coverage

• Increments: $10,000
• Maximum: Up to $1,000,000
• Guarantee Issue: $200,000 (for new hires or first-time eligible employees)
• Benefit Reduction: 35% at age 65, 50% at age 70

Spouse Coverage

• Increments: $5,000 (employee must be enrolled in Voluntary Employee Life)
• Maximum: Up to $100,000
• Guarantee Issue: $30,000 (initial offer only)

Child Benefits

$10,000 (flat option, employee must be enrolled in Voluntary Employee Life)

Critical Illness Insurance

Coverage Basics

• Lump-sum payment upon diagnosis of a specified critical illness.
• Helps with expenses not covered by health insurance.
• Flexible use of funds for medical costs or other expenses.

Coverage Amounts

Employees can elect amounts in increments of $5,000 to $30,000 (spouse up to 50% of employee amount).

Hospital Insurance

Coverage Basics

• Provides financial benefits for covered hospital stays.
• Complements major medical insurance by covering additional out-of-pocket costs.
• Cash benefits provided directly unless otherwise assigned.

Coverage Amounts

• Hospital/ICU Admission: $1,500 per admission (up to 2 admissions per insured)
• Hospital Confinement: $100/$200 per day (max of 15 days per insured per year)

Accident Insurance

Coverage Basics

• Covers treatment fees for accidents not fully covered by medical insurance.
• Cash benefits provided directly unless otherwise assigned.
• Can be used for various services such as ambulance rates, diagnostics, intensive care, therapy, and rehabilitation costs.