Benefits Portal

Overview

Summary of Offered Benefits

Medical

Medical or Health insurance is a type of insurance coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

Dental

Dental insurance pays a portion of costs associated with preventive, minor, and some major dental care.

Vision

Vision insurance is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses).

Accident

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs.

Hospital Indemnity

Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.

Critical Illness

Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness.

Basic Life

This is Term Life that is paid for by your employer. Term life insurance is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the policy to terminate.

Term Life

Term life insurance is life insurance that guarantees payment of a stated death benefit during a specified term. Once the term expires, the policyholder can either renew it for another term, convert the policy to permanent coverage, or allow the policy to terminate.

Flexible Spending

A flexible spending account, or FSA, is an account eligible employees allocate pre-tax money to throughout the year. They then use funds in that account to pay for certain out-of-pocket health care costs. Employees can use FSA funds to pay for certain out-of-pocket health care costs.

Long Term Disability

Long-term disability insurance is an insurance policy that provides income replacement for workers if they become unable to work due to an illness or injury so they can continue paying bills and meeting financial goals and obligations.

Telemedicine

Telemedicine allows health care professionals to evaluate, diagnose and treat patients at a distance using telecommunications technology. The approach has been through a striking evolution in the last decade and it is becoming an increasingly important part of the American healthcare infrastructure.

Legal Shield

Prepaid legal plans include coverage for the most common legal matters, including consumer protection, identity theft defense, foreclosure defense, estate planning, traffic offenses, document preparation and much more. When used for covered services, the plan pays for all Network Attorney fees.

HSA

An HSA works with a health plan that has a high deductible. You can save money in your HSA account before taxes and use the funds to pay for eligible health care expenses. HSAs can also help you save for retirement, when you can use the funds to pay for general living expenses without penalty.

Permanent Life and LTC

Permanent life insurance is an umbrella term for life insurance policies that do not expire. A long-term care (LTC) rider is a life insurance policy feature that allows you to receive a portion of the death benefit while you are still alive.