Voluntary Benefits
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Elite Therapy Solutions provides you the option to purchase accident insurance, critical illness insurance and hospital insurance through UNUM. The amount you pay for these plans is deducted from your paycheck on a post-tax basis. This ensures that any payments you receive are not taxed. Learn more about the accident, critical illness and hospital plans at www.unum.com
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ACCIDENT INSURANCE
Accident insurance is a policy that can help you pay expenses that may follow an accident, including out-of-pocket health care costs. This plan pays benefits if you are injured in an accident, regardless of whether or not you are at work.
KEY FEATURES OF THE ACCIDENT INSURANCE PLAN:
•You are paid cash quickly
•The amount you receive is based on your injuries, services provided, and treatment
•You can use the money for whatever you would like
•Benefits are not taxed
•It does not matter what medical plan you have
Health screening benefit: $50 cash for completing an annual wellness exam or other preventive screenings
CRITICAL ILLNESS INSURANCE
Critical illness insurance is a policy that provides a lump-sum, cash benefit if you are diagnosed with a covered illness (e.g., heart attack, stroke, cancer). These diagnoses can cause significant financial burden, especially if you are unable to work while receiving treatment. You can use the money you receive however you would like, including to help you pay your mortgage, pay your deductible, seek experimental treatment, or for any other expenses. The benefit amount you receive is based on the level of coverage you purchase. You may also purchase coverage for your spouse and/or dependent children.
KEY FEATURES OF THE ACCIDENT INSURANCE PLAN:
•You are paid cash quickly
•The amount you receive is based on your injuries, services provided, and treatment
•You can use the money for whatever you would like
•Benefits are not taxed
•It does not matter what medical plan you have
Health screening benefit: $50 cash for completing an annual wellness exam or other preventive screenings
Coverage Options:
•Employee: $10,000 or $30,000; guarantee issue: $30,000 if apply during this enrollment.
•Spouse: 100% of employee’s election; as long as you have purchase coverage yourself.
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Dependent children to age 26:
Automatically covered at no extra cost. Their
coverage amount is 100% of yours. They are
covered for all the same illnesses plus these
specific childhood conditions: cerebral palsy,
cleft lip or palate, cystic fibrosis, Down syndrome, spina bifida, type 1 diabetes, sickle cell anemia and congenital heart disease. The diagnosis must occur after the child’s coverage effective date.
HOSPITAL INSURANCE
Hospital insurance helps you and your family members cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.
