Worksite Benefits

You have the option to elect Critical Illness, Accidental Injury, and Hospital Care Insurance when you enroll. Visit the Documents Library under “Worksite Benefits” for more details about these three plan options.

Critical Illness

Critical Illness insurance pays a lump sum benefit directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness, or specified disease condition. This plan can help ease some of your financial worries so that you can stay focused on your health.

You choose how to spend or save your benefit. It can be used for expenses such as:*

• Paying for childcare or helping around the house
• Copays and deductibles
• Travel costs to see a specialist
• Prescription drug costs
• Medical treatment and doctor visits

Health Screening Test Benefit: Examples include (but are not limited to) mammography and certain blood tests, including annual onsite wellness screenings. The benefit amount shown will be paid regardless of the actual expenses incurred. Virtual care is accepted. A 30-day benefits waiting period applies, during which benefits will not be paid. Benefit amount: $75 per year. Refer to the Benefits Summary for Critical Illness for more information.

Accidental Injury

Accidental Injury insurance pays a fixed benefit for a broad range of injuries or treatments associated with a covered accident. You can use the money however you’d like. For example, benefits can help pay for out-of-pocket expenses for:

• Initial and emergency care
• Hospitalizations
• Fractures and dislocations
• Follow-up care

Hospital Care

Hospital Care insurance pays a fixed benefit paid directly to the covered person, unless otherwise assigned, for covered hospital** stays resulting from a covered injury or illness.

You can use the money received from the hospital stay to help pay for:

• Childcare or help around the house
• Copays, deductibles, or coinsurance
• Travel costs to see a specialist
• Follow-up care

* These are examples only and may not be covered under the specific group critical illness policy offered by your employer. Exclusions and limitations may apply. Coverage is subject to terms and conditions outlined in the group policy. Refer to your plan Benefit Summary for more information about the coverage under your specific critical illness plan.

** The term “hospital” does not include a clinic, facility, or unit of a hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts, or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.