Additional Benefits

All eligible employees will have the opportunity to enroll in Cigna’s Supplemental Health plans. An unexpected illness or injury can disrupt every facet of your life, including your physical, emotional and financial well–being. Regular expenses, big and small, can add up. These voluntary benefits are designed to help strengthen your overall benefits package and provide additional protection for you and your family through fixed benefits paid directly to YOU.

Key Things to Consider:

› Flexible. Use the money however you want. Pay for anything you need – medical deductibles, child care, groceries, etc.
› Supplement your medical plan. Benefits are paid in addition to other coverage you may have.
› Cost effective. Your premium is conveniently deducted from your paycheck at a low group rate.

If you are interested in enrolling, please indicate your elections during Open Enrollment.

Accidental Injury Insurance

Here’s How It Works

Accidental Injury Insurance provides benefits to help cover unexpected costs associated with a non-work-related accident. If a covered injury occurs, this plan pays benefits regardless of any other insurance coverages. Cigna will send a check for covered injuries; you decide the best way to spend it.

Why is this coverage so valuable?

It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles.
You’re guaranteed base coverage, without answering health questions.
The cost is conveniently deducted from your paycheck.
You can keep your coverage if you change jobs or retire. You’ll be billed directly.

Accidental Injury Insurance

Pays a fixed cash benefit directly to you when you have a covered accident– related injury, like an ankle sprain or arm fracture.

Video: Accident Insurance

Accidental Injury Benefit Example:

Situation: Chloe broke her leg playing soccer.

Chloe’s covered benefits:

Doctor’s office visit
Broken leg
Diagnostic exam (X–ray)
Physical therapy sessions

Accidental Injury benefit paid directly to Chloe: $1,200

Critical Illness Insurance

Here’s How It Works

Critical Illness Insurance helps with the extra expenses associated with your recovery. If you are diagnosed with a covered illness, you will receive a lump-sum cash benefit — even if you receive benefits from other insurance coverage.

Why is this coverage so valuable?

The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles. You may also the lump-sum payment to pay for other expenses such as rent/mortgage, utilities or car payments as a few examples.

Critical Illness Insurance

Pays a fixed, lump–sum cash benefit directly to you1 when you are diagnosed with a covered health condition, such as a heart attack or stroke.

Video: Critical Illness Insurance

Critical Illness Benefit Example:

Situation: Marco had a heart attack while raking leaves.

Marco’s covered benefits:

Heart attack diagnosis

Critical Illness benefit paid directly to Marco: $10,000

Hospital Care Insurance

Here’s How It Works

A hospital stay can be expensive and happen at any time. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation and childcare can quickly add up. A Hospital Indemnity policy can provide additional coverage to help members bounce back from a health setback.

Why is this coverage so valuable?

It can help you with out-of-pocket costs that your medical plan doesn’t cover, like co-pays and deductibles.
The cost is conveniently deducted from your paycheck.
Your coverage continues after your first hospital stay.

Hospital Care Insurance

Pays a fixed cash benefit directly to you when you experience a covered hospital stay, for events like an in–patient procedure or
childbirth.

Video: Hospital Care Insurance

Hospital Care Benefit Example:

Situation: Susan was hospitalized following a car accident.

Susan’s covered benefits:

Hospital admission
Hospital stay
Hospital ICU stay

Critical Illness benefit paid directly to Susan: $10,000

Please note the above descriptions are only a brief summary and examples are provided for illustrative purposes only. Refer to the Benefit Summaries for more details on your coverage, election options, and rates.

Additional Benefits