Income Protection
You Can’t Prevent the Unexpected. But You Can Be Prepared.
An accident or unexpected health issue can change your life. We help individuals, families and employers be prepared with supplemental health, accident, disability and life insurance policies. Benefits can be used to help cover deductibles, co-pays and even everyday expenses like rent, food, utilities and your mortgage.
Supplemental Income Protection Solutions
Accident & Sickness Protection
Hospital Essentials Accident or Sickness Insurance
Gives you specified benefits for hospitalization, intensive care, recovery, outpatient surgery and ambulance reimbursement.
How the Hospital Essentials Accident and Sickness Plans work for you:
Pays cash directly to you to help pay added expenses when you suffer an accident or sickness.
Pays you for a minimum of 10 days after you are hospitalized to help with items such as loss of income whether or not you are disabled.
Pays you starting the very first day of your accident or sickness.
Please refer to your actual policy for complete details
Short Term Disability Insurance
Provides benefits to you if you are totally disabled and unable to work.
Here’s how our disability insurance helps protect you and your family:
Benefits up to $2,000 a month
Total or partial disability: The first 30 days of a covered accident or sickness
Continuing total disability: Up to six months
Accumulation: The benefit period increases one month for each additional year the policy remains in force (up to a maximum of 24 months)
Optional return of premium benefit
Disability Accident Plan only,
Sickness Disability Plan only or,
Both Plans
Critical Condition Insurance
Supplemental protection when a covered condition strikes. Cancer, Heart, Stroke and many other conditions can touch our lives.
What's Covered
The policy is offered in pre-set amounts of $10,000, $15,000, $25,000, $50,000 or $100,000 and provides coverage for one of the following:
Cancer, Heart or Stroke only coverage – 3 conditions
Critical Illness (other than cancer) coverage – 18 conditions
Cancer and other Critical Illness coverage – 21 conditions
The Return of Premium Upon Death Benefit is a standard feature.
Teladoc Medical Experts service is included with your policy.