You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

	Benefits
Accident Coverage	Off Job
Employee Death Benefit	$20,000
Spouse Death Benefit	$10,000
Child Death Benefit	$5,000
Burns	Up to $6,000
Coma	$5,000
Concussion	$150
Dislocations	Up to $8,000
Fractures	Up to $8,000
Laceration	Up to$400

	Per Pay Period Cost
Employee Only	$4.53
Employee + Spouse	$7.58
Employee + Children	$7.69
Employee + Family	$10.75

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

	Benefits
Employee Amount	Up to max of $30,000 in $10,000 increments
Employee Guarantee Issue	$30,000
Spouse Amount	Spouse can elect up to 100% of Employee Benefit
Spouse Guarantee Issue	Up to $30,000
Child Amount	50% of Employee Benefit
Child Guarantee Issue	All amounts are guaranteed

	Employee & Spouse Monthly Rates per $10,000
Age	Rate
<25	$5.00
25-29	$5.10
30-34	$7.60
35-39	$9.50
40-44	$13.60
45-49	$20.20
50-54	$27.80
55-59	$38.40
60-64	$51.30
65-69	$69.00
70+	$94.20

You have the option to purchase hospital indemnity insurance, which pays you benefits while you are confined to a hospital. This type of coverage is helpful because it covers your out-of-pocket expenses not covered by your medical plan.

	Benefits
Hospital/ICU Admission	$1,000 per admission Max: 2 admissions per year per insured or 3 per year per covered family
Hospital Confinement	$100 per day to max of 15 days per year
ICU Confinement	$200 per day to max of 15 days per year
Treatment of Normal Pregnancy	Normal pregnancy is included with no 9 month limitation

	Per Pay Period Cost
Employee Only	$10.03
Employee + Spouse	$18.10
Employee + Children	$16.15
Employee + Family	$24.22

Voluntary Benefits