Accident and Critical Illness Benefits
EMPLOYEE PAYS 100%
Health insurance covers medical expenses, but it doesn’t usually cover indirect costs that can arise with a serious or even a not-so-serious injury. You may end up paying out of your own pocket for unexpected expenses like transportation, over-the-counter medication, childcare, and extra help around the house. With accident insurance, the benefits you receive can help take care of these extra expenses.
Coverage Highlights
- Basic plan vs Enhanced plan is the benefit amount
- Guaranteed Issue coverage.
- Covers on-and-off the job accidents.
- Coverage is portable at the same benefit level and premium amount, as long as premiums are paid to Sun Life Benefits.
- Pays a benefit for hospitalization, emergency treatment, intensive care, fractures, and more.
- Injuries treated within 90 days (180 days for AD&D) from the date of an accident will be paid based on the benefit schedule in the policy.
- Additional rider benefits are designed to enhance coverage.
- Benefit can be used to help pay for out-of-pocket medical costs or everyday expenses.
Monthly Premium |
Basic Plan |
Enhanced Plan |
|---|---|---|
Employee |
$11.51 |
$14.57 |
Employee + Spouse |
$17.98 |
$24.48 |
Employee + Children |
$19.37 |
$25.87 |
Family |
$25.84 |
$35.78 |
EMPLOYEE PAYS 100%
Helps protect you in the event that you are diagnosed with a critical illness. Provides a lump-sum benefit to help you cover out-of-pocket expenses. Some examples of a critical illness may include:
- Heart Attack
- Stroke
- Cancer
- Major Organ Transplant
Benefit Description:
- Coverage available in increments of $10,000 from $10,000-$30,000
- Guaranteed issue coverage
- Spouse coverage available in increments of $5,000 from $5,000-$15,000 (not to exceed 50% of employee coverage)
- Child coverage available in $5,000 increments from $5,000-$10,000 (not to exceed 50% of employee coverage)
- Benefits are paid directly to you, unless assigned to someone else.
- Coverage supplements are existing medical benefits and can help cover the costs of out-of-pocket expenses.
- Continuation of coverage beyond employment with continued premium payments.
- Specific costs for your age and smoking status can be found in the BSwift enrollment portal.