Voluntary Benefits

SUPPLEMENTAL POLICIES PAY CASH DIRECTLY
Rates and benefits are locked in and never change even when you leave or retire.  You may select from benefits that protect both you and your family. Benefits are paid to you regardless of any other insurance you may have with other insurance companies.

DISABILITY INSURANCE: Replaces a portion of your income to help you make ends meet if you become disabled.

ACCIDENT INSURANCE: Helps offset the unexpected medical expenses, such as emergency room fees, deductibles and co-pays, which can result from a fracture, dislocation or other covered accidental injury.

LIFE INSURANCE: Enables you to tailor coverage for your individual needs and helps provides financial security for your family members.

CANCER INSURANCE: Helps offset the out of pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover. This coverage also provides an annual benefit for cancerscreening tests. There is a daily hospital confinement benefit for 34 listed

CRITICAL ILLNESS INSURANCE: Compliments your major medical coverage by providing a large lump-sum benefit that you can use to pay the direct and indirect costs heart attack, stroke, major organ failure, and other covered illnesses, which can often be expensive and lengthy.

HOSPITAL CONFINEMENT INSURANCE: Provides a lump-sum benefit for hospital confinement and outpatient surgery to help offset the gaps caused by copayments and deductibles that are not covered by most major medical plans.

October 31st, 2014 by James Zander & Associates