AFFILIATED
BENEFIT REPRESENTATIVES
[ Home ] [ Voluntary Benefits Pre-Enrollment ]
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| Welcome to the "Voluntary Benefits" page where you can review voluntary options that your company is offering through payroll deduction: To make sure you are on the right page, click below to see if your employers name is listed.
Once you have reviewed the voluntary insurance options and services, available to you and your family, you can either indicate you have an interest by clicking here, (and be taken to the pre-enrollment page).
Medical Insurance Supplement Plans (Two Offered)
HIgh Option Plan :Pays $1000.00 if you are confined to a hospital for a covered sickness or accident and pays $500.00 if you require outpatient surgical procedures performed by a doctor using anesthesia administered by a licensed anesthesiologist in a hospital or ambulatory surgical center. Low Option Plan :Pays $250.00 if you are confined to a hospital for a covered sickness or accident and pays $250.00 if you require outpatient surgical procedures performed by a doctor using anesthesia administered by a licensed anesthesiologist in a hospital or ambulatory surgical center. To see more detailed information click here This supplemental accident insurance policy is a medical indemnity plan that provides employees and their families with hospital, physician, accidental death and catastrophic accident benefits in the event of a covered accident. Provides on and off-job accident coverage (24 Hour Coverage! ) For details on the Accident Plan, click here.
The Term Life insurance plan offers level death benefits, level premiums for up to two consecutive 10-year terms, and guaranteed cost of insurance rates.It combines the advantages of low-cost life insurance with the flexibility of individually-owned, portable, convertible, and guaranteed renewable coverage. Premiums and coverage amounts vary depending on the employee’s needs. This plan design, available to employees offers 3 Benefit Durations: 10 years, 20 years and 30 years.
If you would like to see the rates, click here (Rates are monthly so to estimate you per payday costs multiply the monthly rate by "12" and then divide by "26") (Both smoker and non smoker rates are presented)
This is a short term disabiilty plan that pays from the 1st day of a covered accident and the 14th day of a covered illness. There are 2 plans to choose from: One plan pays up to 6 months and the other plan pays up to 12 months for a covered disability. There are two age bands and rates do not go up as you get older. They stay where you enrolled in the plan at. For example if you were age 48, and enrolled in the plan with age band 17 to 49, when you turned 50, your premium would not increase to the rate of the age band 50 to 64 (see rates on "pre-enrollment" page ). You would stay in the "17 to 49" age band! This plan covers you On and Off the job and for Sickness! (24 hour coverage). The plan pays on top of Workers Compensation, State Disability, Company sick days, and Medical Insurance!! (To see an outline of coverage click here )
There are two plans available: Plan 1 pays $300 a day for the first 30 days that you are confined to a hospital for the treatment of internal cancer. After 30 days the plan pays $600.00 a day! Plan 2 pays $400 a day for the first 30 days that you are confined to a hospital for the treatment of internal cancer. After 30 days the plan pays $800 .00 a day! (To see more detailed information click here)
Critical Illness Plan: This plan can provide a lump sum benefit in the event you sustain one of several "critical" illnesses; Heart attack, Stroke, Major Organ Transplant, End stage renal failure, Coronary Artery bypass surgery, and Carcinoma In Situ (To see more detailed information click here)
If you are interested in pre-enrolling in any of these plans and/or you have questions, click here RATE/PLAN DESCRIPTION DISCLAIMER: RATES/PREMIUMS/PLAN PROVISIONS REFERENCED WERE INTENDED TO BE ACCURATE, BUT THE ISSUED POLICY WILL BE THE CONTRACTUAL RATES; ONCE POLICY IS ISSUED AND RECEIVED BY APPLICANT, APPLICANT WILL HAVE A “FREE-LOOK” PROVISION TO EXAMINE BOTH THE POLICY AND THE PREMIUM . APPLICANT CAN THEN DECIDE TO KEEP POLICY OR EXERCISE “FREE-LOOK” PROVISION AND RETURN POLICY FOR A FULL REFUND (SEE “FREE LOOK “ PROVISION STATED ON POLICY, ONCE ISSUED.
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