Supplemental Coverage for Medical Expenses
Voluntary Accident, Critical Illness & Hospital Indemnity InsuranceAdministered by The Hartford, these voluntary benefits are a great way to supplement your medical insurance. Coverage can be selected during enrollment and paid for with payroll deductions.
Accident Insurance
Accident Insurance is not meant to be a stand-alone medical plan, but instead provides extra dollars to help pay out-of-pocket expenses for covered injuries and accidents — occurring on or off the job.
Coverage is available for individuals and families. No health questions or physical exams are required.
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Coverage & Benefits
The Accident Insurance plan pays specified dollar amounts to help pay for a wide variety of injury and accidents expenses, including:
- Hospitalization
- Doctor’s office visits
- Physical therapy
- Emergency room
- Lodging for family
The Accident Insurance plan will give you $50 when you receive a preventative Health Screening or certain diagnostic tests.
Benefits are paid directly to you, unless otherwise assigned, and are in addition to other coverage you may have. Use the money any way you wish.
Critical Illness Insurance
Critical Illness Insurance helps with out-of-pocket expenses for covered illnesses, like a heart attack or cancer. If you experience a covered critical illness, the plan pays a lump-sum benefit on initial diagnosis.
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Coverage & Benefits
Critical Illness Insurance allows you to select either $15,000 or $30,000 as your benefit amount, and then you can use the money any way you want to help with the expenses resulting from a covered illness.
- This benefit is in addition to other insurance coverage you may have.
- Critical Illness benefits are paid directly to you, unless otherwise assigned, as a lump sum based on diagnosis or event.
- You do not have to be terminally ill to receive the benefit.
The Critical Illness Insurance plan will give you $50 when you receive a preventative Health Screening or certain diagnostic tests.
Who You Can Cover
You can cover yourself, your spouse or domestic partner, and/or your child(ren) without answering health questions.
- Your covered spouse or domestic partner can have coverage of 50% of your benefit.
- Children are automatically covered at 50% of your benefit at no additional cost.
- Additional and re-occurrence benefits are also included.
Hospital Indemnity Insurance
Hospital Indemnity Insurance provides benefits if you or a covered family member is hospitalized. This may help you avoid dipping into savings or borrowing to pay out-of-pocket expenses, like transportation, meals, help with child care, or time away from work.
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Coverage & Benefits
Hospital Indemnity benefits include:
- Hospital Confinement Benefit
- Hospital Admission Benefit
- Hospital Intensive Care Benefit
- Intermediate Intensive Care Step-Down Unit
Who You Can Cover
Children are automatically covered at 50% of your benefit at no additional cost, and you may qualify for coverage without having to answer health questions.
Learn More
Important: This is a fixed indemnity policy, not health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. Please review the full notice at the end of the Benefits Guide.
Webinar
How to File Claims
To file a voluntary benefits claim, visit thehartford.com/mybenefits or call (888) 755-1503. Refer to the documents linked below for guidance.
Documents
- Accident Insurance Overview
- Critical Illness Insurance Overview
- Hospital Indemnity Insurance Overview
- How Coverage Works with Your Medical Insurance
Additional policy documents are available in the Document Library.
Provider
The Hartford
Disability. Leave of Absence (LOA) & Supplemental Health
Disability & Leave: 888-277-4767
Supplemental Health: 866-547-4205
