Voluntary Benefits

Assurant offers two voluntary benefits, Accident Insurance and Critical Illness Insurance, that can help protect you from unexpected health care expenses. The Accident Insurance and Critical Illness Insurance plans are considered voluntary, meaning you may purchase these as a supplement to your Assurant benefits and you pay 100% of premiums with no company contribution. You get the benefit of group pricing along with the convenience of payroll deduction.

Accident and Critical Illness insurance is offered through MetLife and supplements health care coverage but does not replace it. The coverage pays a lump-sum cash payment that you can use to cover out-of-pocket medical costs as well as living expenses should you experience an accident or illness. Further information is available at myassurantbenefits.com. You may also access information via MetLife on metlife.com/mybenefits or by calling 1-800-438-6388.

Accident Insurance

Accidents can happen anytime, anywhere, and likely when you least expect them.
They can be costly and lead to extra expenses. Many people aren’t financially
prepared to handle extra costs, such as plan deductibles, co-pays for emergency
room care, testing, supplies and out-of-network care. Having this financial support
may mean less worry for you and your family. Payments are paid directly to you, not to the hospitals or to other healthcare providers. You receive a check made payable to you. Accident Insurance may help you to focus more on your recovery and less on your finances.

Pays for over 150 different injuries, including:

Fractures
Dislocations
Eye injuries
Skin grafts
Broken teeth
Concussions
Cuts or lacerations
Second-and third-degree burns
Coma
Ruptured disc

Includes many medical services and treatments:

Ambulance
Emergency care
Inpatient surgery
Outpatient surgery
Medical testing benefits (including X-rays, MRIs, CT scans)
Physician follow-up visits
Transportation
Home modifications
Therapy services (including physical, occupational and speech therapy)

Critical Illness Insurance

Critical illnesses can happen when you least expect them — and they can be costly.
Even good medical plans can leave you with big expenses. Plan deductibles, co-pays
and costs for out-of-network care can add up fast. Critical Illness Insurance may
help protect your finances by providing you with one lump-sum payment (when
there is a verified diagnosis of a covered condition).

The cash can help you focus on getting back on track. Best of all, the payment is
made directly to you, and is paid regardless of any other insurance you may have.
It’s yours to spend however you need, including for your or your family’s everyday
living expenses.

More than 30 critical conditions covered, including:

Cancer
Kidney failure
Heart attack
Major organ transplant
Stroke
Coronary artery bypass graft
Alzheimer’s disease

For greater security, you are covered if the medical condition (such as cancer, heart
attack and stroke) should recur. There are no preexisting conditions for heart attack
or stroke and no waiting periods between different covered conditions.

Health Screening Benefits

Health screenings are an important part of managing your health. That's why your Accident Insurance and Critical Illness Insurance coverage from MetLife provides a Health Screening Benefit (HSB) for covered screenings and tests. Now, everyone who's enrolled —you, your spouse, and dependent children—can earn a benefit just for taking care of his or her health.

For complete details, including covered screenings and tests, please see your insurance coverage certificate on the MyBenefits portal at metlife.com/mybenefits, or the MetLife Mobile App.