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Voluntary Benefits

Accident, critical illness, cancer, and disability plans that pick up where major medical leaves off.

Accident Plan Options

Financial support for life's unexpected bumps and breaks

Active lifestyles, in or out of the home, can lead to bumps, bruises, and sometimes breaks. Proper treatment is vital to recovery but can be expensive, and if an accident keeps you from work, the financial worries multiply.

Most major medical plans only pay a portion of the bills. Accident coverage helps pick up where other insurance leaves off, paying cash benefits directly to you, so you have the financial empowerment to seek the treatment you need.

Cash benefits, paid to you

Accident insurance through your employer may include benefits for:

  • Injuries: fractures, dislocations, concussions, lacerations, eye injuries, torn cartilage, ruptured discs, and severe burns.
  • Medical services & treatments: ambulance, emergency care, therapy, medical testing (X-rays, MRIs, CT scans), appliances, and certain surgeries.
  • Hospitalization: hospital admission, confinement, and inpatient rehab after an accident.
  • Additional benefits: accidental death, dismemberment, loss, paralysis, and a supplemental benefit for lodging.
Critical Care & Cancer Plans

Live well while getting well

No one is ever truly prepared for a life-altering diagnosis. Heart issues, cancer, stroke, paralysis, and other serious conditions bring a whirlwind of appointments, tests, treatments, and medications, adding stress and potentially life-altering changes for you and your family.

Treatment is vital, but it can be expensive. Health insurance, if you have it, often covers only part of the cost. You're still responsible for deductibles and coinsurance, and treatment may keep you from working. Critical Illness coverage provides financial support when you're diagnosed with a covered illness, so you can focus on getting better instead of financial worries.

Statistically, one in two men and one in three women will encounter cancer in their lifetimes, making this protection more relevant than many realize.

Disability: Short & Long Term

Protect a portion of your paycheck

Unless you know someone who has been disabled, it's easy to overlook the value of disability insurance. You may think it won't happen to you, but if it does, you're vulnerable to lost income.

An injury or sickness may slow you down, but it won't slow your monthly bills. House and car payments, groceries, and gas still need to be paid. Disability insurance helps replace lost income so your finances aren't depleted. Your ability to earn an income is your most important asset.

Why have a plan in place now?

  • Income loss is the #1 reason for bankruptcy and poverty.
  • 1 in 7 working-age people has a movement disability affecting work and lifestyle.
  • About 5% of people become disabled each year.
  • 1 in 4 people today live with a disability, and less than 1% are work-related.
  • The average Social Security disability check is only about $700.

Have questions, or ready for a quote?

Reach out and we'll walk you through your options. No pressure, no obligation.

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