Accident, Hospital Indemnity & Critical Illness

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.

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.

Frequently Asked Questions

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 your new spouse to any benefits. If you want to make any additional changes, you can do so directly through Oracle. 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 Oracle, we require a signed marriage license. More information can be found in the following Training Material: Job Aid: Triggering a Life Event

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).

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

Coverage will end the last calendar day of the month.

Dependents are eligible to maintain coverage on our Accident and Critical Illness plans until the end of the month 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.