Additional Benefits

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
• Low plan vs High plan
• Guaranteed Issue coverage.
• Covers 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.
• Benefit can be used to help pay for out-of-pocket medical costs or everyday expenses.

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-$40,000
• Guarantee issue coverage
• Spouse coverage available in increments of $10,000 from $10,000-$40,000 (not to exceed 100% of employee coverage)
• Child coverage available in $5,000 increments from $5,000-$20,000 (not to exceed 50% of employee coverage)
• Benefits are paid directly to you, unless assigned to someone else.
• Coverage supplements existing medical benefits and can help cover the costs of out-of-pocket expenses.
• Continuation of coverage beyond employment with continued premium payments.

Rates are available in the Paylocity Enterprise Benefit portal

Covers out-of-pocket expenses not covered by your medical plan while confined to a hospital. You have the option to purchase hospital indemnity insurance to help with unexpected costs such as child care, deductibles, and lost income.