Voluntary Benefits

In addition to Basic Life and AD&D, you may purchase voluntary Life coverage at discounted rates. Consider your family’s cost of living, total income, and the impact they may face should you pass away. How much would your family need to handle debts, expenses, and maintain their quality of life?

You may choose from the following benefit limits:

·         Employee: $10,000 increments up to 5x times your annual salary, or $500,000. Guaranteed issue coverage: $250,000

·         Spouse: $5,000 increments up to 100% of the employee amount. Guaranteed issue coverage: $50,000

·         Children (birth to 6 mos): $1,000

·         Children (6 mos to age 26): $10,000

Evidence of Insurability (EOI) is required for any increase to your current election, amounts over the guaranteed issue limits, or when applying outside of your initial eligibility period.

Accidents happen when you least expect them, and recovery can be costly. Your major medical insurance may pay for most services, but you could be left with out-of-pocket expenses that add up quickly. Accident insurance can help ease unplanned financial burdens.

As a full-time employee, you can buy Accident insurance to cover unexpected costs due to an accident, such as ambulance services and emergency room fees. Use the payment any way you choose—from expenses not covered by your major medical plan to day-to-day cost of living expenses such as rent or utility bills. As medical costs continue to rise, this additional layer of financial protection can make a difference at a time when you and your family need it most.

Premiums for this benefit are 100% paid by employees with after-tax dollars and coverage is available for you and your eligible family members.

A $50 wellness benefit for each insured individual is also included. Every year, each family member who has Accident coverage can also receive $50 for getting a health screening test, such as:

• • Blood tests
  • Chest x-rays
  • Stress tests
  • Colonoscopies
  • Mammograms

No Evidence of Insurability is required up to the Guaranteed Issue limit during Open Enrollment.

Accident Insurance Certificate of Coverage

Critical Illness insurance helps you prepare for the unexpected. A major illness such as a heart attack, stroke, coma, paralysis, major organ failure, and end-stage renal failure can leave you emotionally, physically, and financially overwhelmed. Critical Illness insurance can help relieve the financial impact of an illness, so you can focus on recovery.

With Critical Illness insurance, you’ll receive a $10,000 lump-sum payment when a covered illness is diagnosed. You can use the payment any way you choose, including paying for deductibles and coinsurance, rent, groceries, or childcare. A pre-existing limitation applies to this policy.

Premiums for this benefit are 100% paid by employees with after-tax dollars and coverage is available for yourself and your eligible family members. A $50 Be Well benefit for each insured individual is also included. Every year, each family member who has Specified Disease coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:

• Annual exams by a physician, including sports physicals, well-child visits, and dental and vision exams
• Screenings for cancer, including pap smear and colonoscopy
• Cardiovascular function screenings
• Screenings for diabetes and cholesterol
• Imaging studies, including chest x-ray and mammography
• Immunizations, including HPV, MMR, tetanus, and influenza

No Evidence of Insurability is required up to the Guaranteed Issue limit during Open Enrollment.

Critical Illness Certificate of Coverage

Even a minor trip to the hospital can present you with unexpected expenses and medical bills. Though you may have medical insurance, your plan may only pay a portion of your entire stay.

Hospital Indemnity insurance provides financial assistance to enhance your current medical coverage. It allows you to avoid dipping into your savings to cover out-of-pocket health care expenses.

In addition to providing you with cash benefits during a covered hospitalization, Hospital Indemnity insurance does not require you to meet a deductible or pre-certification requirements. You can receive treatment at any hospital of your choice.

Premiums for this benefit are 100% paid by employees paid with after-tax dollars and coverage is available for yourself and your eligible family members. A 12/12 pre-existing limitation applies to this policy.

No Evidence of Insurability is required up to the Guaranteed Issue limit during Open Enrollment.

Hospital Indemnity Certificate of Coverage

You work hard to provide your family with everything they need. So whether your family includes kids with two feet or kids with four paws, you know what responsibility looks like.

My Pet Protection® from Nationwide® helps you provide your pets with the best care possible by reimbursing you for vet bills. You can get cash back for accidents, illnesses, hereditary conditions, and more!

• • Custom-made plans for employees only
  • Visit any vet, anywhere
  • Choose from 70% and 50% reimbursement of vet’s invoice
  • Low $250 annual deductible
  • Pet Rx Express for prescription medications
  • Easy online claim submission
  • 24/7 VetHelpline access for policyholders

To enroll, go to benefits.petinsurance.com/isolvedhcm or call 877-738-7874 and mention you’re an employee of isolved HCM to receive preferred pricing. Learn more by visiting petinsurance.com/resourcecenter. 

Questions? Watch these videos to learn more:

• • What is a pre-existing condition?
  • Filing a claim
  • How does my plan work?
  • When will coverage begin?
  • Product Videos

Click on the links below to view/download more information:

• • Pet Insurance PPT Presentation
  • 2023 Pet Flyers
  • Built-in Member Perks
  • Digital Resource Center

See your Benefits Guide, benefit summaries, or flyers for detailed plan information.

During these unprecedented times, it is important to safeguard not only your physical health but your digital health as well. With an Identity Theft Protection plan from IDShield, you can have peace of mind knowing your identity rights are secure.

Watch the video above to learn how IDShield can help you protect your online privacy and identity.

During these unprecedented times, it is important to safeguard not only your physical health but your financial health as well. With a legal protection plan from LegalShield, you can have peace of mind knowing your legal rights are secure.

Watch the video above to learn how LegalShield can provide you and your family direct access to a dedicated law firm that can review and prepare legal documents such as Wills and assist with other personal legal matters such as speeding tickets, neighbor disputes, and family-related matters such as adoption.