Accident, Hospital Indemnity & Critical Illness

www.guardianlife.com

800-268-2528


Supplemental Insurance

Accident, Hospital Care and Critical Illness insurance benefits pay cash directly to you rather than a medical service provider or retailer. They can be used to offset your out-of-pocket expenses, such as deductibles and copays, but can also be used to supplement lost income if you are out of work due to a qualifying illness or injury. These benefits are portable.

Who is Eligible and When

Active associates working a minimum of 30 hours per week are all eligible for coverage. The coverage is effective the first of the month following date of hire.

Accident Insurance

This insurance provides benefits in the event of covered injuries or accidents that occur off the job and require treatment such as ER visits, x-rays, ambulance transportation, physician and physical therapist treatments. This benefit is always issued on a guarantee basis, never any medical questions to answer. Associates participating in the HSA Medical plan are provided free enrollment to the Accident Insurance program with the option to buy-up family coverage.

Critical Illness

This coverage offers financial assistance in the event of a serious illness, such as heart attack or stroke as well as many forms of cancer. Benefits are paid out on a lump sum basis dependent on plan level elected.

Hospital Indemnity

This insurance is designed to pay for the costs of a hospital admission. The plan covers Associates and/or their families who are admitted to a hospital or ICU for a covered sickness or injury.

Overview

Accident Summary

Critical Illness Summary

Hospital Indemnity Summary

Accident Certificate (HSA)

Accident Certificate (Non-HSA)

Critical Illness Certificate

Resources

Forms

Accident Claim Form

Critical Illness Claim Form

Critical Illness Wellness Benefit Claim Form

Accident Portability Application

Critical Illness Portability Application

Frequently Asked Questions

FAQ - Display Set to None

New Medical cards can be ordered through your online portal at www.mycigna.com. You also have access to a mobile ID card through the MyCigna Smartphone App.

I recently moved, how can I update my address?

Your address can be updated directly through ADP (www.workforcenow.adp.com). After logging in you will go to “Myself” –> “My Information” -> “Profile”. From there you can update all personal information, including your address by clicking on the “View More” icon in the Personal information Section.

After you update your address in ADP, it will update with all benefit providers.

I am getting married, can I add my new spouse to my Accident or Critical Illness Coverage?

Getting married is considered a Qualifying Life Event (QLE). You have up to 30 days after the Qualifying Life Event to make changes to your benefit elections, including canceling your coverage, or adding coverage for your new spouse. If you want to make any additional changes, you can do so directly through ADP.

Coverage for your spouse will begin on the first of the month coinciding with or following your marriage effective date. In order to activate the work event in ADP, we require a signed marriage license.

Do I need to designate a beneficiary?

A beneficiary should be designated from the Critical Illness enrollment screen in ADP. A beneficiary can be an individual or an organization (such as a Trust).

FAQ - Display Set to None
Is my Domestic Partner Eligible for Accident or Critical Illness Coverage?

Our Accident and Critical Illness plans do not allow enrollment for girlfriends, boyfriends, siblings, domestic partners or grandchildren (unless adopted by you).

I am leaving the plan, when does my coverage end?

Coverage will end the last calendar day of the month.

When is my child no longer eligible for Accident and Critical Illness coverage with Mariner?

Dependents are eligible to maintain coverage on our Accident and Critical Illness plans until the end of the year in which they turn 26. This includes children who are married or have employment elsewhere. Continuation of coverage under the Mariner plan can be ported.