Voluntary Benefits
Voluntary benefits insurance through The Hartford can help protect you from significant or unexpected out-of-pocket expenses. Consider your anticipated medical needs along with the cost of the insurance plans available to you. Keep in mind, these plans are intended to supplement, not replace, a medical plan.
Learn more about Critical Illness
Critical Illness Plan
Administered by The Hartford
We offer two voluntary Critical Illness plans through The Hartford to regular full-time employees and their qualifying dependents. This benefit is designed to pay out a lump sum in the event of being diagnosed with any one of the covered serious illnesses. The purpose of the coverage is to ease the financial pressures and burdens during treatment and recovery from a critical condition. 100% coverage amount for critical illness diagnosis of cancer, vascular, and other specified illness.
Employee
Benefit Amount
$15,000 or $30,000
Benefit Maximum
$30,000
Guarantee Issue
All amounts guaranteed
Spouse
Benefit Amount
$15,000 or $30,000
Benefit Maximum
$50% of the employee amount
Guarantee Issue
All amounts guaranteed
Dependent Child(ren)
Benefit Amount
$15,000 or $30,000
Benefit Maximum
50% of the Employee's Initial Benefit
Guarantee Issue
All amounts guaranteed
- Coverage is guaranteed provided you are actively at work and dependent is not subject to a medical restriction. Pre-existing condition and other restrictions apply. Coverage may differ based on your state of residence. Please refer to the benefit summary for additional information.
Learn more about Accident Insurance
Accident Insurance Plan
Administered by The Hartford
We offer a voluntary Accident plan through The Hartford to regular full-time employees and their qualifying dependents. This benefit helps fill financial gaps caused by expenses related to an injury caused by a covered accident. Cash benefits are paid directly to you, regardless of what is covered by your medical plan or any other insurance. Benefits are paid for initial and follow-up care, medical imaging, X-rays, dislocations, fractures, physical therapy, and more. These benefits can be used to pay expenses like coinsurance, deductibles, or everyday expenses like your mortgage, childcare, or groceries. It’s up to you.
Refer to the benefit summary for details of coverage, including limitations and exclusions.
Accidental Death
Benefit Amount
$75,000
Common Carrier
$150,000
General Provisions
Ambulance (Ground / Air)
$700 / $2,000
Burns (2nd / 3rd Degree)
Up to $1,450 / $15,000
Concussions
$200
Dislocations
Up to $4,000
Fracture
Up to $10,000
Hospital Benefits
Hospital Admission
$1,500 (once per benefit year)
Hospital Confinement
$400 per day
ICU or Critical Care Admission
$1,500 (once per benefit year)
ICU or Critical Care Confinement
$750 per day
Emergency Room
$200
X-ray
$200
Low Plan
On and Off Job Coverage
On and off Job
Initial Physician Office / Urgent Care
$50
Ambulance (Ground / Air)
$300 / $1,200
Emergency Room
$100
Hospital Admission
$500 (once per benefit year)
Hospital Confinement
$165 per day (max 31 days)
Accident Follow Up Visit
$50 per visit (max 2 visits)
Physical Therapy
$25 per visit (max 10 visits)
Accidental Death Benefit
$25,000
High Plan
On and Off Job Coverage
On and off Job
Initial Physician Office / Urgent Care
$100
Ambulance (Ground / Air)
$400 / $1,600
Emergency Room
$200
Hospital Admission
$1,000 (once per benefit year)
Hospital Confinement
$165 per day (max 31 days)
Accident Follow Up Visit
$75 per visit (max 2 visits)
Physical Therapy
$50 per visit (max 10 visits)
Accidental Death Benefit
$50,000
Learn more about Hospital Indemnity
Hospital Insurance Plan
Administered by The Hartford
We offer a voluntary Hospital Indemnity plan through The Hartford to regular full-time employees and their qualifying dependents. This plan pays cash benefits to you for an inpatient hospital admission and daily stays. These benefits can help pay towards your medical plan’s deductible, coinsurance, or everyday expenses like day care, utilities, and groceries.
Please refer to the benefit summary for details of coverage, including limitations, and exclusions.
Admission Benefit
Benefit Limits
1x per calendar year
Hospital Admission
$1,500
ICU Admission
$1,000
Confinement Benefit
Benefit Limits
30 days per calendar year
Hospital Confinement
$200 per day, up to 30 days
ICU Confinement
$200 per day, up to 30 days
Wellness Benefit
$50 per benefit year
Your hospital indemnity insurance policy includes a $50 Wellness Benefit offer, which will pay you and covered family members an annual benefit if you complete an eligible health assessment/screening.
Contribution Rates
Monthly Pre-Tax Contributions
Employee Only
Critical Illness - Employee
Based on age
Accident - Low Plan
$6.52
Accident - High Plan
$8.58
Hospital Indemnity - Low Plan
$9.63
Hospital Indemnity - High Plan
$18.87
Employee & Spouse
Critical Illness - Spouse
Based on age
Accident - Low Plan
$12.93
Accident - High Plan
$16.92
Hospital Indemnity - Low Plan
$26.28
Hospital Indemnity - High Plan
$51.51
Employee & Child(ren)
Critical Illness - Dependent
Based on age
Accident - Low Plan
$15.43
Accident - High Plan
$20.17
Hospital Indemnity - Low Plan
$17.55
Hospital Indemnity - High Plan
$34.39
Employee & Family
Critical Illness
Based on age
Accident - Low Plan
$18.30
Accident - High Plan
$23.91
Hospital Indemnity - Low Plan
$34.20
Hospital Indemnity - High Plan
$67.03
Contact the provider of these benefits by calling this phone number or visiting this website: (800) 523-2233, thehartford.com
This Digital Benefits Guide is intended to highlight available benefits and should not be relied upon to fully determine coverage. The benefits plan may not cover all health care expenses. More complete descriptions of benefits and the terms under which they are provided are contained in the Certificate of Coverage that you will receive upon request. If this Digital Benefits Guide conflicts in any way with the policy issued by the employer, the policy shall prevail.