Supplemental Benefits for Added Financial Protection

Help your employees cover unexpected out-of-pocket expenses with affordable coverage options that complement their existing benefits.

Supplemental Accident Insurance provides additional coverage with specific benefit amounts for injuries received in a covered accident to help with the out-of-pocket costs that your existing coverage may not cover. Accident Insurance can cover related medical costs such as:

• Co-payments.
• Co-insurance and deductibles.
• Medical treatment for fractures and dislocations or physical therapy.
• Crutches, wheelchairs or other medical aids you may need as a result of your accident.

Cancer Insurance provides financial protection for families when medical bills and other expenses are the result of cancer diagnosis and treatment. Cancer Insurance provides
reimbursements for:

• 2^nd opinion consultations
• Anti-nausea medication from chemotherapy or radiation.
• Surgery
• Wigs
• Travel expenses including lodging and even experimental treatments.

Critical Illness Coverage provides a lump sum benefit to help with out-of-pocket medical
and/or non-medical expenses of a critical illness. Some examples of critical illnesses are:

• Heart attack
• Stroke
• Major organ failure
• End stage renal (kidney failure)
• Coronary artery bypass graft surgery
• Permanent paralysis
• Coma
• Blindness

Unlike life insurance, the lump sum becomes payable upon diagnosis of the illness.