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Frequently Asked Questions


What does an indemnity insurance plan do?

Indemnity insurance helps serve as a source of security and financial protection by paying a set amount of money for qualified medical services separate from your major medical insurance plan. These are usually based off a schedule of fixed benefits.

What is Hospital Indemnity Insurance?

Hospital Indemnity insurance is a supplemental insurance product that pays a fixed amount to help cover out-of-pocket expenses associated with hospital stays. Optional benefits may include fixed benefits for outpatient surgery, physician visits, diagnostic tests and emergency room visits. An indemnity plan allows the insured the freedom to visit almost any doctor, specialist or hospital they prefer.

Who benefits from Hospital Indemnity Insurance?

Designed to fill in the gaps in major medical coverage, Hospital Indemnity insurance provides benefits for a wide range of individuals, since anyone between the ages of 18-69 is typically eligible for indemnity coverage.

What is covered by accident insurance?

Accident insurance is used to help pay for the medical and out-of-pocket costs associated with an unexpected injury. Covered injuries can occur either on or off the job, depending on the plan selected.

What is covered under Accidental Death & Dismemberment?

Accidental Death & Dismemberment pays a benefit if you die or experience the loss of limbs, speech, eyesight or hearing as the result of a covered accident.

How can I use the benefit?

How you use your benefit is up to you. Benefits are often used to cover out-of-pocket medical expenses and healthcare costs not covered by major medical insurance.

What is Critical Illness insurance?

Medical events covered under Critical Illness insurance include:

  • Heart Attack
  • Stroke
  • Major organ failure
  • Coronary artery bypass surgery
  • Benign brain Tumor
  • Blindness
  • Coma
  • Permanent paralysis
  • Third degree burns over 30 square inches
  • Occupational HIV

Cancer is not covered under the critical illness plan, however cancer coverage can be added at the Employer level.

Who needs Critical Illness Insurance?

People of all ages should consider critical illness coverage. No matter what age or condition of health you are in, a critical illness can pose a serious threat to your finances.

What is Short-Term Disability Insurance?

Short-term disability insurance covers employees who have a serious illness or injury that prevents them from working and are out of work for 12 weeks or less.

What does Short-Term Disability Insurance cover?

Short-term disability insurance covers employees who have a serious illness or injury that prevents them from working and are out of work for 12 weeks or less.

Who qualifies for Short-Term Disability?

In order to qualify for short-term disability, you must be:

  • 18+
  • Employed for at least 30 days
  • Work at least 20 hours per week

What is Whole Life Insurance?

Whole life insurance provides a guaranteed benefit for final expenses as long as premiums are paid on time.

What is the difference between Whole Life and Term Life Insurance?

The main difference between term life and whole life insurance is the length of the policy. With term life, the insured chooses a length of time for the policy to last. If the insured dies during the time period of the policy the beneficiaries receive a death benefit. With whole life, the insured is covered for life and rates will never increase as long as premiums are paid on time. Whole life insurance also builds a cash value over time. There are many advantages to both term and whole life insurance and choosing the better option varies, depending on a person’s unique needs.

Below are some of the differences in policy features:

Does Whole Life Insurance have a cash value?

One of the benefits of whole life is a tax-deferred cash value that builds over time with the policy.* The cash value can be accessed any time as a loan. The face amount of the policy will be reduced by any outstanding loans.

Are Whole Life benefits taxable?

Death benefits paid from whole life insurance are not subject to federal income tax.*

What are some benefits of Whole Life Insurance?

Some of the benefits of Whole Life coverage are:

  • A Guaranteed Death Benefit
  • Tax-Free Cash Value Accumulation that builds as premiums are paid*
  • Portability at the same rate
  • Immediate claims payment
  • Payroll-deducted premiums
  • Waiver of Premium for Disability
  • Competitive Group Rates