group Insurance coverage

---

Accidents happen unexpectantly.

Our accident insurance coverage plan provides lump-sum indemnity benefits for accidents happening on and off-the-job. Accidental insurance provides a fixed schedule of benefits from initial care at a physician's office or emergency room, specific injury benefits such as fractures and dislocations, surgery and hospital benefits and follow-up care such as therapy benefits.

 Maintaining regular dental care is an important part of keeping up with your overall health. Unfortunately, trips to the dentist office can be expensive, even if it's for a routine cleaning and X-ray.

Our dental plan provides benefits for workers and their families for preventive, basic, and major dental services. Our plan covers a wide range of treatments from cleanings, to root canals, and pay benefits based on a defined co-insurance percentage. 

 For most employees, a disability not only means difficulty meeting financial obligations (paying for housing, food, their children's education, and other necessities of life), but also increased out-of-pocket medical costs.

HSA compliant, our disability coverage: 

• pays benefits regardless of any other insurance the insured may have
• is portable so coverage can continue with no increase in premium if the insured changes jobs or leaves the account

 Our personal life insurance products offer an easy answer for employers and their employees to help fill the life insurance gap. we offer a wide variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deductions. Unlike traditional group coverage, employees can take this coverage with them in the event that their employment changes. 

 Our special risk coverage is a supplemental insurance that pays a lump-sum upon diagnosis of a covered specified disease/condition. It provides dollars to fill gaps in medical coverage and to help meet out-of-pocket, non-medical expenses.

Covered Conditions:100% Payout

• Heart attack
• Stroke
• End-Stage Rental (Kidney) failure
• Organ failure
• Permanent paralysis
• Coma
• Permanent vision loss (blindness)
• Occupational Infectious HIV or Occupational Infectious Hepatitis B, C, or D
• Cancer 

25% Payout

• Coronary Artery Bypass Graft surgery or Coronary Artery Disease
• Carcinoma in Situ (if cancer is selected)

 Need assistance covering medical and non-medical expenses? Our Supplemental Health plan gives employees access to more benefit options by providing them with additional financial protection to help cover such expenses. 

Employers are given the ability to tailor a plan design to help meet the specific needs of their employees.

Benefit Type Includes:

• Hospital Confinement
• Observation room
• Rehabilitation Unit Confinement
• Waiver of Premium
• Outpatient Surgical Procedures
• Diagnostic Procedures