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Voluntary Accident & Illness Benefits

provided by The Hartford

 

It’s common for people to feel that their medical and disability insurance plans have them safely covered. However, when an unexpected illness or accident occurs, many people find themselves in financial difficulty due to large out-of-pocket expenses that are not covered by their medical insurance.

CBIA Health Connections Voluntary Accident & Illness products – Critical Illness Insurance, Accident Insurance, and Hospital Indemnity Insurance – are the perfect solution.

These voluntary products are designed to complement regular medical insurance with additional coverage that pays your employees – not doctors and hospitals. The intent is that, instead of being left with a stack of bills, your employees will have the ability to maintain a level of financial stability through a difficult time.

 

Critical Illness Insurance

  • Provides lump-sum cash payment upon diagnosis of a covered illness such as cancer, heart attack, and stroke
  • Includes benefits not offered under other programs such as coverage for organ transplants, Parkinson’s disease, and ALS.
  • Employees have a choice between two plans/coverage levels

Accident Insurance

  • Provides cash payments for covered injuries like cuts, burns, and concussions; related services such as hospital and emergency room services; and catastrophic events.
  • Employees have a choice between two plans/coverage levels

Hospital Indemnity Insurance

  • Provides a cash benefit for each day confined in a hospital for a covered illness or injury
  • Employees have a choice between two plans/coverage levels

 

Benefit Information/Rates

 

Certificates of Coverage

 

Forms & Participation Guidelines

Employee Communication Tools

  • MyTomorrow
    Interactive video teaches your employees about Critical Illness Insurance, Accident Insurance, and Hospital Indemnity Insurance and helps them make purchasing decisions. Feel free to copy the link location and forward to your employees or simply use the email template below.

  • Cost Calculator
    This calculator gives your employees a ballpark estimate of what these benefits may cost them on a per paycheck basis.

  • Videos
    These brief videos explain why Voluntary Accident & Illness Benefits are important benefit considerations. Feel free to copy the link locations and forward to your employees or simply use the email template below.
  • Email Template
    Copy the information from this template to introduce Voluntary Accident & Illness Benefits to your employees. Links to the interactive tools and videos noted above are included. Feel free to modify the content to suit your needs.

 

 

Contacts

  • Customer Service: 800.523.2233
  • Claims: Phone: 866.547.4205; Fax: 469.417.1952