19 / 33
2015 Benefits Guide
16
WORKSITE BENEFIT PROGRAM
DISABILITY INCOME POROTECTION
Employees may insure themselves so in the event an illness or injury would cause an absence from work, a
percentage of lost income could be paid to you for necessary living expenses. There is a choice of elimination and
benefit periods, allowing you to tailor this important benefit to your budget.
ACCIDENT EXPENSE BENEFIT
This plan helps offset unexpected medical expenses that result from off the job accident related expenses such as
ambulance, emergency room, fractures, dislocations, hospitalization including intensive care, accidental death or
dismemberment, out-of-pocket costs and many more items.
WHOLE LIFE
Whole Life is a guaranteed level premium life insurance plan which accumulates cash value and lasts for life. You
may cover yourself, spouse or children. Benefits are paid in addition to any other life insurance you or other family
members may be covered under. In addition to life insurance, there are benefits for adult day care, inpatient resident
care and a terminal illness benefit.
CITICAL ILLNESS
This benefit provides cash payments in the event of a heart attack, bypass surgery, stroke, loss of sight/speech/
hearing, severe burns, coma, organ transplant, occupational HIV, kidney failure and permanent paralysis. It also
pays $XX tax-free cash each year for any insured that has a covered health screening exam.
SUPPLEMENTAL HEALTH
This plan helps offset copayments and deductible of some hospital stays, outpatient surgeries, diagnostic and
emergency room visits not covered by most major medical plans. This coverage is available to you as well as your
family members.
CANCER ASSISTANCE
This program provides funds for necessary treatment. Tax free lump sum policy benefits are available for you,
spouse and children.