*Permanent employees regularly scheduled to work 20 or more hours per week.
ACCIDENT INSURANCE - ALLSTATE Insurance Company
Everyone is active and healthy. Yet accidents are just a part of life – from the soccer field to the ski slope and the highway in between. Ending up in urgent care can hurt more than a knee; it can hit a family hard with immediate medical expenses. Emergency costs can add up quickly. One trip to ER may involve many services – an ambulance ride, X-rays, medicines and physician fees.
Accident Insurance provides a measure of financial security by helping to take care of the unexpected bills from an accident, so you can heal. It’s that simple.
How does it work?
Accident insurance is designed to cover unexpected expenses that result from all kinds of accidents, even sports related and household ones. It provides cash benefits to cover things your health insurance doesn’t.
Benefits you’ll appreciate:
- Benefits paid directly to you without any restrictions on how you can use them.
- Benefits are paid to you regardless of any other coverage you have.
- Guaranteed Issue – There are no medical questions you’ll have to answer, but your spouse or domestic partner must answer a disability question.
- Guaranteed Renewable – Renewable as long as premiums are paid.
- Level Premiums – Rates don’t increase because of age.
- Family Coverage – Apply for your spouse, children, and dependent grandchildren.
- Portability – Take your coverage with you when you leave employment and pay the same premium.
CANCER & CRITICAL ILLNESS PLANS - ALLSTATE Insurance Company:
Due to earlier diagnoses, improvements in treatment and changes in lifestyle risk factors,
Cancer, Heart Attack and Stroke are showing higher survival rates. Early diagnosis can be
a lifesaver, yet successful treatment may be expensive, and a critical illness can sometimes
come back again. Critical Illness plans focus on more aspects of the ways critical illness touches your life.
- The base policy focuses on the conditions that are most likely to occur. This helps keep coverage affordable because you aren’t paying premiums for a list of unlikely conditions.
- Benefits are payable for early identification as well as for later-stage diagnosis.
- Earlier benefits help provide funds as quickly as possible to help ensure that treatment or preventive measures may stave off late-stage illness.
- A replenishing annual benefit helps you deal with a new or recurring covered condition.
- Events that trigger a benefit are simple and easy to understand.
- Plan cost is locked in at the age you are when you sign up - it doesn't increase with age.
- Portability – Take your coverage with you when you leave employment and pay the same premium.
SHORT TERM & LONG TERM DISABILITY PLANS - Kanawha/Humana:
Voluntary Short Term (STD) and Long Term (LTD) coverage is available to employees. Newly hired employees are eligible for coverage after 60 days of employment and will not need to provide any medical information. We will also offer this product mid-year, during our "voluntary products" open enrollment period - however a pre-existing period may apply.
To obtain complete information or to enroll in any of the listed voluntary plans, please contact: Star Robbins Company: 1-800-486-7721