Voluntary Benefits

Coverage for Unexpected Events

Accident, Critical Illness & Hospital Indemnity

These benefits can help with out-of-pocket costs after an unexpected injury, serious diagnosis, or hospital stay.

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Unexpected Injury

Accident Insurance

Helps pay cash benefits after a covered accident, such as a fracture, burn, emergency room visit, or follow-up care.

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Serious Diagnosis

Critical Illness Insurance

Pays a lump-sum cash benefit after a covered diagnosis, such as cancer, heart attack, or stroke.

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Hospital Stay

Hospital Indemnity Insurance

Provides cash benefits when you are admitted to or stay in the hospital for covered care.

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Why this coverage matters

Medical insurance helps pay for care, but it may not cover every expense. Deductibles, copays, follow-up visits, travel, childcare, groceries, and time away from work can all create added financial pressure.

  • Helps with out-of-pocket costs
  • Provides cash you can use however you need
  • Works alongside your medical plan
  • Offers extra support during recovery

Example

You get hurt unexpectedly.

Accident Insurance may help with ER visits, X-rays, follow-up care, or other costs after a covered injury.

Example

You receive a serious diagnosis.

Critical Illness Insurance may provide a lump-sum benefit you can use for medical bills or household expenses.

Example

You need a hospital stay.

Hospital Indemnity Insurance may help with costs connected to admission, overnight stays, or recovery.

Still not sure where to start?

Use the Best Fit tool to see which voluntary benefits may match your needs.

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