Voluntary Accident & Illness Benefits

Group Participation/Enrollment Guidelines

• Voluntary Accident & Illness Benefits - Voluntary Accident Insurance, Critical Illness Insurance, & Hospital Indemnity Insurance - are available to new and existing business beginning August 1, 2017.
• Voluntary Accident Insurance, Critical Illness Insurance, & Hospital Indemnity Insurance are offered as a package. However, they are considered 3 lines of coverage for participation requirement purposes.
• These lines of coverage have no minimum participation requirements but are subject to the CBIA’s global participation guidelines. See below.
• Each benefit has two plans (Plan A and Plan B). The employee will select one plan.
• Employees may elect coverage in one, two, or all three products. They are not obligated to purchase all three.
• Employees enroll themselves and their family members during the group’s initial enrollment period or future open enrollment periods. Only new hires may join the plan mid-year.
• Dependent coverage terminates at the end of the month of the dependent's 26th birthday.
• Employee premium is collected through payroll deduction by the employer. CBIA will bill the employer for this benefit on the monthly billing statement.

CBIA Employee Benefits

Global Participation/Enrollment Guidelines

• Groups with 3 to 9 eligible employees must have enrollment in a minimum of 2 lines of coverage from the CBIA Health Connections product portfolio. Groups with 10 or more eligible employees must have enrollment in at least 1 line of coverage.
• Groups must have at least 3 employees enrolled in one line of coverage from CBIA Health Connections product portfolio which includes: Medical, Dental, Vision, Life, Short Term Disability, Long Term Disability insurance, and Voluntary Accident & Illness Benefits.