Voluntary Benefits
Accident Insurance
Accident Insurance provides benefits to help cover the costs associated with unexpected bills due to covered accidents, regardless of any other insurance you have.
If you purchase coverage and are hurt in a covered accident, you will receive a cash benefit for covered injuries that you may spend as you like.
RESOURCES
Coverage Amounts
Low Plan
Cash benefit based on type of accident (ranges from $25-$6,000).
High Plan
Same as Low Plan + a Sickness and Accident Hospital Confinement Benefit ($1,000-$2,000 additional benefit for hospitalization).
Examples of covered injuries:
- Broken bones
- Burns
- Torn ligaments
- Cuts repaired by stitches
- Eye injuries
- Ruptured discs
- Concussion
Hospital Indemnity Insurance
Hospital Indemnity Insurance provides a fixed lump-sum payment that can help cover hospital expenses not covered by insurance, or to pay for expenses while you, your spouse/domestic partner, and/or dependents are in the hospital.
Western Reserve Care Solutions offers two Hospital Indemnity Plans. Please refer to the certificates for more plan information.
RESOURCES
Critical Illness Insurance
Critical Illness Insurance provides cash to help pay for both medical expenses not covered by your medical plan as well as day-to-day expenses that may start to add up — like rent, mortgage, car payments, etc. — while you are ill. With Critical Illness Insurance, if you are diagnosed with a covered illness, you get a lump-sum cash benefit, even if you receive other insurance benefits.
RESOURCES
Coverage Amounts
Employee
$15,000 or $30,000
Examples of covered illnesses:
- Cancer
- Heart attack
- Major organ failure
- End-stage renal (kidney) failure
- Coronary artery bypass graft surgery
- Stroke
Your plan pays recurrence benefit at 100% of the initial benefit for the following covered conditions: full benefit cancer, heart attack, stroke, coronary artery bypass graft.
Your plan pays recurrence benefit at 25% of the initial benefit for the following covered conditions: partial benefit cancer, including Addison’s disease, amyotrophic lateral sclerosis (Lou Gehrig’s disease), cerebrospinal meningitis (bacterial), cerebral palsy, cystic fibrosis, diphtheria, encephalitis, Huntington’s disease (Huntington’s chorea), Legionnaire’s disease, malaria, multiple sclerosis (definitive diagnosis), muscular dystrophy, myasthenia gravis, necrotizing fasciitis, osteomyelitis, poliomyelitis, rabies, sickle cell anemia (excluding sickle cell trait), systemic lupus erythematosus (SLE), systemic sclerosis (scleroderma), tetanus, and tuberculosis. Please see plan certificate for more details.
