Let's Face It:

Costs of everyday living items are continuously increasing, while incomes
have risen very slowly, if that.

In the event of an unexpected accident or illness, resulting in loss of income, even temporary, will you have the resources to meet these costs?

Even if you have medical coverage, many out of pocket non-medical costs are associated treating any accident or illness, such as:

• Transportation to and from treatment
• Loss of income to family members that may become caretakers
• Out-patient lodging
• Special Equipment
• Special Diets
• Household help
• Child Care
• Experimental Treatment

Voluntary benefits can provide a means to have access to much needed
additional funds during an event like this. These benefits can provide
financial protection to allow you to maintain your standard of living.

The benefits are paid directly to you, for you to use as you see fit, unless
you assign them.

For most of the policies, If you leave your employer, you can take the benefits with you at the same group rate, premiums cannot be increased due to age or your policy claims, and the policies are guaranteed renewable, regardless of your health.