Voluntary Benefits
Accident, Critical Illness, and Long term care coverage are available to you, your spouse, and your dependent children. However, employees must have coverage in order for their spouse and children to obtain coverage.
Voluntary Benefits are just that, voluntary. The costs for voluntary benefits are 100% paid by the employee.
Voluntary Accident Insurance
Voya Financial
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident on or after your coverage effective date. You can use this money however you like, including: deductibles, child care, housecleaning, groceries or utilities. Accident Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
If you enroll in Accident Insurance coverage, you have access to the Wellness Benefit, which provides an annual benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to encourage you to maintain a healthy lifestyle, since the tests screen for a wide range of potential illnesses and diseases.
| Col1 | Col2 | |
|---|---|---|
| Emergency Treatment Benefit | ||
| Emergency Room | $325 | |
| X-Ray | $100 | |
| Urgent Care | $250 | |
| Ambulance Ground / Air | $550/$2,400 | |
| Annual Wellness | ||
| Incentive Benefit Employee & Spouse | $50 | |
| # Visits | 1 per year | |
| Incentive Benefit for Children | $50 for each child | |
| Fracture Benefit (Non-Surgical / Surgical) | ||
| Coccyx | $400/$800 | |
| Hand, Wrist, or Forearm | $1,800/$3,600 | |
| Ankle, Foot, or Kneecap | $1,800/$3,600 | |
| Hip | $3,000/$6,000 | |
| Leg | $2,500/$5,000 | |
| Ribs | $400/$800 | |
| Skull (Simple - except bones of the face) | $1,400/$2,800 | |
| Shoulder Blade | $1,800/$3,600 | |
| Collar Bone | $1,440/$2,880 | |
| Pelvis | $3,200/$6,400 | |
| Follow-Up and Physical Therapy | ||
| Physical Therapy Benefit | $60 up to 10 per accident | |
| Accident Follow-up Treatment Benefit | $125 | |
| Accidental Death | ||
| Employee | $50,000 | |
| Spouse | $25,000 | |
| Children | $10,000 | |
| Common Carrier Accidental Death | ||
| Employee | $100,000 | |
| Spouse | $50,000 | |
| Children | $25,000 | |
| Accidental Dismemberment Benefits | ||
| Loss of both hands or both feet or sight in both eyes | $28,000 | |
| Loss of one hand or one foot AND sight in one eye | $22,000 | |
| Loss of one hand AND one foot | $22,000 | |
| Loss of one hand OR one foot | $12,500 | |
| Loss of two or more fingers or toes | $1,800 | |
| Loss of one finger or toe | $1,250 | |
| Covered Injuries - Dislocations (Non-Surgical / Surgical) | ||
| Hip Joint | $2,550/$5,100 | |
| Knee | $1,600/$3,200 | |
| Shoulder | $1,000/$2,000 | |
| Ankle or Foot | $1,000/$2,000 | |
| Wrist | $750/$1,500 | |
| Toe or Finger | $200/$400 | |
| Expanded Benefits | ||
| Burns | $1,500-$20,000 | |
| Lacerations | $60-$800 | |
| Eye Injury | $200-$400 | |
| Emergency Dental Work | $200 extractions, $400 crown | |
| Brain Concussion | $350 | |
| Tendons, Ligaments, and/or Rotator Cuffs | $600-$1,600 | |
| Ruptured Discs (surgical repair) | $900 | |
| Inpatient | ||
| Hospital Admission | $1,750 | |
| Hospital Confinement | $325 | |
| ICU Admission | $4,000 | |
| ICU Confinement | $450 | |
| Major Surgery | $2,000 | |
| Prosthetic Devices (one / two or more) | $1,250/$2,000 | |
| Blood, Plasma, and Platelets | $625 | |
| Rates Per Pay Period | ||
| Employees Only | $4.15 | |
| Employees + Spouse | $6.63 | |
| Employees + Child(ren) | $8.35 | |
| Family | $10.83 | |
Accident Benefit Summary
Wellness Benefit Flyer
Voluntary Critical Illness Insurance
Voya Financial
Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. You can use this money however you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home health care costs or any of your regular household expenses. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
If you enroll in Critical Illness Insurance coverage, you have access to the Wellness Benefit, which provides an annual benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to encourage you to maintain a healthy lifestyle, since the tests screen for a wide range of potential illnesses and diseases.
| Col1 | Col2 | |
|---|---|---|
| Base Module | ||
| Heart Attack (cardiac arrest is not a heart attack) | 100% | |
| Cancer | 100% | |
| Stroke | 100% | |
| Major Organ Transplant | 100% | |
| Coronary Bypass | 50% | |
| Carcinoma in situ | 50% | |
| Major Organ Module | ||
| Type 1 Diabetes | 100% | |
| Severe Burns | 100% | |
| Transient ischemic attacks (TIA) | 10% | |
| Ruptured or dissecting aneurysm | 10% | |
| Abdominal aortic aneurysm | 10% | |
| Thoracic aortic aneurysm | 10% | |
| Open heart surgery for valve replacement or repair | 25% | |
| Transcatheter heart valve replacement or repair | 10% | |
| Coronary angioplasty | 10% | |
| Implantable (or internal) cardioverter defibrillator (ICD) placement | 25% | |
| Pacemaker placement | 10% | |
| Enhanced Cancer Module | ||
| Benign Brain Tumor | 100% | |
| Skin Cancer | 10% | |
| Bone Marrow Transplant | 50% | |
| Stem Cell Transplant | 50% | |
| Child Only Conditions | ||
| Cerebral Palsy | 50% of Employee’s Amount | |
| Cystic Fibrosis | 50% of Employee’s Amount | |
| Down Syndrome | 50% of Employee’s Amount | |
| Muscular Dystrophy | 50% of Employee’s Amount | |
| Spina Bifida | 50% of Employee’s Amount | |
| Quality of Life Module | ||
| Permanent Paralysis | 100% | |
| Loss of Sight, hearing or speech | 100% | |
| Coma | 100% | |
| Multiple sclerosis | 100% | |
| Amyotrophic lateral sclerosis (ALS) | 100% | |
| Parkinson's Disease | 100% | |
| Alzheimer Disease | 100% | |
| Huntington's Disease | 100% | |
| Wellness Benefit | ||
| Employee, Spouse & Child | $75 each per calendar year | |
| Coverage | ||
| Employee | Choice of $10,000 or $20,000 | |
| Spouse | 50% of employee amount | |
| Child | 50% of employee amount | |
| Total Maximum Benefit | Unlimited (skin cancer – 1x per calendar year, 10x per lifetime) | |
| Additional Occurrence | 6 month separation for same diagnoses for cancer or skin cancer | |
| Re-Occurrence | Unlimited (skin cancer – 1x per calendar year, 10x per lifetime) | |
| Guarantee Issue | Yes | |
| Waiting Period | None | |
| Benefit Reduction | 50% at age 70 | |
| Portability | Included | |
| Pre-existing Condition | None | |
Critical Illness Benefit Summary
Long Term Care Insurance
Overview
Long term care is the type of care you need when you are no longer able to do the things you take for granted every day. It is needed when simple things, such as getting out of bed, eating, or even taking a shower, become too difficult to do on your own.
Long term care insurance (LTCi) allows family members to act as care managers rather than caregivers. Furthermore, it helps maintain freedom of choice and ensures high quality of care. These benefits make LTCi a critical part of personal financial planning.
Legacy Services is an independent broker that has specialized in LTCi for twenty years. During no obligation phone consultations, we provide in- depth analysis of the top traditional and hybrid LTCi contracts.
Eligibility
Applicants must be aged 30-75 and reside in the U.S. (50 states and DC). Eligible participants include all full-time and part-time employees, retirees, spouses/domestic partners of employees/retirees, and family members. Acceptance is not guaranteed. An application covering health history must be completed.
Plan Options
Multiple Carriers – There are differences in rate charts, underwriting guidelines, and policy options which make certain carriers better for certain people. Legacy represents multiple carriers with high financial ratings.
Plan Options – This program offers traditional LTCi policies and life+LTCi hybrid policies. There are a wide range of coverage levels and options to customize coverage. All policies are fully portable.
Partnership– Most states have implemented Long Term Care Partnership Programs that provide extra asset protection. Each dollar that your Partnership policy pays out in benefits entitles you to keep a dollar of your assets if you need to apply for Medicaid.
How to Apply
Personalized Service – Everyone has unique needs that must be discussed individually. For this reason, our program features no obligation phone consultations with advisors who specialize in LTCi. They ask a series of questions designed to give each participant advice for their personal situation, including: suitability, selecting a carrier, coverage levels, and appropriate policy options. Then they will provide pricing.
Applying– Eligible participants can apply anytime during the year. An LTCi advisor will walk you through the entire application process. Approval takes 6-8 weeks. Depending on your age and health status, this process may include a 20-30 minute phone health interview, review of medical records, and/or a face-to-face interview. If recent medical records are not available, a physical exam may be requested.
Premiums
The LTCi benefit is a voluntary plan so the participant pays 100% of the premium. Premiums are based on the participant’s age, gender, health, marital status, carrier, and coverage level selected.
There is no payroll deduction. Premiums can be paid monthly (via automatic bank draft), quarterly, semi- annually, or annually. There is a discount for paying premiums annually.
For More Information
Our toll-free number is 800-230-3398. For sample pricing, an online seminar, or to schedule a no obligation phone consultation, please go to www.legacyltci.com.
Long Term Care Insurance
Voluntary Pet Insurance
Nationwide
Pet-loving employees can fetch the best health coverage for their pets with My Pet Protection ChoiceSM, available only through workplace benefit programs. Nationwide offers two ready-made employee plans, plus the ability to customize a coverage plan for individual pets and their specific care needs. Every My Pet Protection ChoiceSM policy includes guaranteed issuance and these additional benefits to support pet families:
- Emergency boarding and kenneling fees
- Lost pet due to theft or straying
- Lost pet advertising and reward
- Mortality benefit
Easy to use, easy to understand
Using a Nationwide pet insurance plan is easy:
- Visit any vet, anywhere
- Submit a claim from any device
- Get reimbursed for eligible expenses once the deductible is met
Easy Enrollment
Enroll at any time throughout the year!
There are three simple ways to sign up for pet insurance:
1. Go directly to the dedicated URL created just for Hafele America Co.: https://benefits.petinsurance.com/hafele
2. Call 877-738-7874 and mention that you’re an employee of Hafele America Co. to receive preferred pricing
3. Scan the QR code and enter your company name.
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