Accident Insurance

Accident insurance, offered through Lincoln Financial, provides an extra layer of financial security if you or a covered dependent experience a qualifying, non-work-related accident. The plan covers a wide variety of injuries and accident-related expenses (e.g., hospitalization, fractures, burns, concussions, ligament surgery, physical therapy). Your benefit amount is calculated based on the type of injury, its severity, and the medical services required for treatment and recovery. You will receive a lump-sum payment and you can decide how to spend your cash benefits — whether it’s for deductibles and copays, personal expenses like childcare, transportation, or other everyday expenses.

Coverage	Monthly Premium Contribution
Employee Only	$5.18
Employee + Spouse or Partner	$9.52
Employee + Child(ren)	$11.52
Employee + Family	$15.54

 

Critical Illness

Critical Illness insurance through Lincoln Financial helps protect against the financial impact if you experience or are diagnosed with a serious illness such as heart attack, stroke, or cancer. A lump-sum cash benefit is paid directly to you and can be used to help offset out-of-pocket medical expenses including deductibles and copays, as well as to help cover personal expenses and everyday bills.

Employee/Spouse or Partner	Monthly Rate
Age Range
0-29	$0.13
30-39	$0.24
40-49	$0.53
50-59	$1.06
60-69	$1.95
70+	$4.18
Child(ren)
$0.170 per $1,000 of coverage

 

Hospital Indemnity

A hospital stay due to maternity care, an accident, illness, or surgery can be costly, even when you have medical coverage. Hospital Indemnity insurance through Lincoln Financial helps alleviate the financial impacts by paying a cash benefit to you or your covered dependents. This plan provides a fixed, daily payment that you can use to cover your out-of-pocket medical expenses, transportation, childcare, and anything else you may need while you receive treatment and recover.

Coverage	Monthly Premium Contribution
Employee Only	$7.57
Employee + Spouse or Partner	$22.09
Employee + Child(ren)	$14.14
Employee + Family	$28.76

Get an extra cash benefit!
Receive a cash benefit when you complete a preventive exam! You and your covered dependents qualify for the $50 wellness benefit when you complete a routine test or exam such as your annual physical, dental, or vision exam. Learn more at LincolnFinancial.com.

These voluntary plans are designed to supplement medical insurance, not act as a replacement. If you enroll in a Critical Illness or Hospital Indemnity plan, you must also have major medical coverage according to state regulations.