Worksite Benefits: Accidental Injury Insurance

Provides benefits if insured is injured or dies from an accident. 66% of all accidents occur off the job. More than 23.8 million injuries required medical attention in 2003. In 2004, more than 82% of all costs and expenses related to accidental injuries were nonmedical. Benefits are paid directly to you or to whomever you choose, unless otherwise required. Benefits have no lifetime maximum limits and are renewable as long as premiums are paid. Benefits are paid regardless of any other insurance you carry.

Worksite Benefits: Cancer Insurance

Helps pay costs associated with cancer treatment and recovery. Men have nearly a 1 in 2 lifetime risk of developing cancer. Women have more than a 1 in 3 lifetime risk of developing cancer. Cancer is the second leading cause of death in children up to the age of 14. Approximately 10.8 million Americans alive today have had a history of cancer. Nearly 59% of cancer-related costs are nonmedical. Benefits are paid directly to you or to whomever you choose, unless otherwise required. Benefits have no lifetime maximum limits and are renewable as long as premiums are paid. Benefits are paid regardless of any other insurance you carry. Immediate access to a health advocate for support with your healthcare or insurance questions.

Worksite Benefits: Disability Insurance

Provides weekly income benefits for disability caused by sickness or injury. It's estimated that 3-in-10 of today's 20 year olds become disabled before age 67. They will face not only the inevitable medical costs, but the potential loss of income. According to a 2005 Harvard University study, half of all personal bankruptcies are attributable to illness or medical bills. 52% of the U.S. workforce has no private pension coverage; nearly a third of the population has no retirement savings.

Worksite Benefits: Critical Illness Insurance

Offers Lump-Sum benefits upon the diagnosis of a critical illness, such as cancer, heart attack, stroke and kidney failure. Men have nearly a 1 in 2 lifetime risk of developing cancer. Women have more than a 1 in 3 lifetime risk of developing cancer. About 80.7 million Americans have cardiovascular disease. Nearly 17,000 kidney transplants were performed in the U.S. in 2004. The estimated cost of cardiovascular disease for 2008 was $148.5 billion. The total cost of cancer in 2007 was 219.2 billion. According to a Harvard University study, nearly half of all personal bankruptcies in the U.S. are attributable to illness or medical bills.

Worksite Benefits: Hospital Insurance

Helps pay costs associated with hospital care, including emergency room visits. The average daily cost of a hospital confinement is $1,149 according to a 2006 report. One survey shows that the average length of a hospital stay is nearly five days. More than 77 million Americans have trouble paying medical bills; have accrued medical debt or both. Benefits are paid directly to you or to whomever you choose, unless otherwise required. Benefits have no lifetime maximum limits and are renewable as long as premiums are paid. Benefits are paid regardless of any other insurance you carry.

Worksite Benefits: Dental

Helps pay costs associated with dental care from Diagnostic, Preventative, Basic, Major and Orthodontic treatment. In the U.S., 94% of adults have evidence of past or current tooth decay. In the U.S., only one third of adults aged 35-44 years have all of their permanent teeth. The most common reasons individuals did not have a past year visit were that they did not perceive they had a dental problem and cost.