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Your Local _________ is pleased to offer our valuable members
the following supplemental benefits choices:
Critical Illness Insurance
Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness, up to the maximum payment.
Benefit payments can be used for whatever you want, such as out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses.
- All plans automatically include dependent children coverage at no additional cost.
- $50 Wellness benefit payment. Each covered person will get paid $50 for one wellness screening per year. 21 screenings are covered, including mammograms, colonoscopies, dental screenings and stress tests.
- Pays in coordination with any other insurance you may have.
- Low cost affordable rates!
- Direct payment to you.
Important Covid-19 Information:
Critical Illness Insurance covers three main areas; Cancer, Vascular, and Other Critical Illnesses. Unless COVID-19 lead to one of the specifically denoted Critical Illnesses, outlined in the plan documents, there would be no benefit payable under this plan. Heart attacks are covered in the Critical Illness plan, but cardiac arrest (when the heart stops beating unexpectedly) is not covered on the plan.
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
Disability Insurance
Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can’t count on Workers Compensation to be there for you and your loved ones.
The Disability Income Plus from Manhattan Life is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness.
You'll receive a monthly payment that you can spend however you wish — to help cover everyday expenses, medical costs, or whatever you want!
- Waiver of Premium. Premiums are waived after monthly disability benefits are paid for 30 days in a row, up to the full benefit period.
- Pays in coordination with any existing disability coverage you may have.
- Benefits are paid directly to you,and the money you receive can be spent on whatever you want.
- Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.
ManhattanLife will follow Disability policy language outlined below as it relates to COVID-19 until further notice.
Disability Benefits
Disability benefits apply for an Accident/Sickness only and therefore a person diagnosed with COVID-19 would be covered under their disability plan.
A person that fits into any of the following categories would NOT be covered under their ManhattanLife disability plan:
• If you are asked to-self quarantine but are not sick.
• If your employer needs to shut down due to an employee contracting COVID-19 and have been asked to isolate or quarantine as a result.
Disability Policy Language
Totally Disabled: (Total Disability) means, for the first 24 months of a disability that the Employee is:
• unable to perform the substantial and material duties of His Regular Occupation;
• not working in any other occupation; and
• under the care of a Physician for the disability.
• Sickness: an illness, disease or complication of pregnancy that first makes itself known after the Effective Date and while this Policy is in force.
• Elimination Period: The policies elimination period would apply. If the policy has a 14-day elimination period, disability benefits would not start until the 15th day.
•Note: Elimination periods will not be waived due to COVID-19
Limitations and Exclusions
Benefits are not payable for losses contributed to or caused by:
• the Employee’s employment;
• Sickness or Injury for which Benefits are paid or payable under any Workers’ Compensation or occupational disease law;
Websites with additional information regarding COVID-19
• The Centers for Disease Control (CDC) Website: https://www.cdc.gov/coronavirus/2019-ncov/index.html
• Some states are addressing questions surrounding unemployment for workers and businesses due to COVID-19.
See Washington’s Q&A link here: https://esd.wa.gov/newsroom/covid-19
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
Whole Life Insurance
A Whole Life policy from Allstate lets you plan for the future while getting real benefits for today!
- Cash value. A Whole Life plan can build cash value, that you can have access to, for things such as mortgage costs, a child’s education expenses, retirement income and more.
- Telehealth behavioral services. Now you can access a mental health provider or therapist for a visit by phone (where permitted) or video from the convenience and privacy of your own home. Specific services are Talk Therapy, Teen Therapy, and Psychiatry.
- Accelerated death benefits. A Whole Life policy from Allstate will pay you up to 75% of your death benefit following the diagnosis of a critical illness, such as a heart attack or stroke.
- Portability. Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or go to a new company.
While you may have a basic Term Life plan during your working years, it may not be enough to provide the level of coverage your family needs in the later years. Whole Life can help. It provides coverage through retirement with premiums and benefits that don't change with age. Whole Life can also build cash value, that you can have access to, for things such as mortgage costs, a child's education expenses, retirement income, and more.
Important Covid-19 Information
If a member passes away, regardless as to whether it is due to COVID or any other illness/injury,
a death benefit is paid under this plan for the amount of coverage inforce at the time of death.
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
Accident Insurance
Group Accident Insurance provides direct reimbursement for medical treatment received for covered accidents, surgeries, ambulance services, physical therapy, hospitalization, and accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.
This value packed plan also provides:
- $100 Wellness benefit payment. $100 per visit, up to 2 visits per year for employee-only coverage or four visits per year for family coverage. 21 screenings are covered, including mammograms, colonoscopies, stress tests, plus more!
- Residence & Vehicle modification of $500.
- Speech Therapy follow up visits included at $30 per treatment, up to 6x per accident.
- 24 Hour Coverage for accidents on and off-the-job.
- Benefits are paid directly to you and can be spent on whatever you want.
Important Covid-19 Information:
Accident Insurance will not be impacted by COVID-19 as this product reimburses for accidents from injury and not sickness.
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
Hospital Indemnity Insurance
It's increasingly important to not only protect your finances if faced with unexpected illness but also to empower yourself to seek the necessary treatment.
Hospital Indemnity Insurance pays you directly, in addition to what your primary insurance covers! See pages 3 and 4 of the brochure for details on skilled nursing facility stays, mental health facility coverage, drug/alcohol rehabilitation, hospitalizations, surgical center procedures, plus more!
Hospital Indemnity provides expense reimbursement for a hospitalization up to the policy maximum. Coverage is available to the insured, spouse, and the children.
HIghlights of Hospital Indemnity Insurance coverage:
- Drug/Alcohol Rehabilitation. Daily confinement in a hospital or residential treament facility for treatment of drug and/or alcohol addictions, up to the maximum number of days for each confinement. See details on page 3 of the brochure.
- Skilled Nursing Facility. Confinement in a skilled nursing facility within 14 days of a hospitalization, up to the maximum number of days for each confinement.
- $50 Wellness benefit payment. Each covered person will get paid $50 for one wellness screening per year. 21 screenings are covered, including mammograms, colonoscopies, dental screenings and stress tests. Coverage is the same for all insureds on the certificate.
- Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
Term Life
If someone depends financially on you, you need life insurance, whether you are married, single, a single parent, a small business owner, or retired. With Term life insurance from Manhattan Life, you can spare your grieving loved ones the added stress of economic difficulties, preserving their quality of life even after your death.
You will also appreciate the opportunity to enroll at work at competitive group rates with just a few simple questions. Term Life provides protection for a defined period of time, during which premiums stay the same, and pays a death benefit to beneficiaries if the covered employee dies. Term Life coverage can supplement any other life plan you may have.
1. Lower rates. You have the advantage of lower rates available through your employer and paid through payroll deductions combined with guaranteed issue and portability, two highly popular features. Coverage for your spouse and children is available if you’re the primary insured.
2. Accelerated Living Benefit: Value while you're alive. You can request an acceleration payment of up to 50 percent of the death benefit if diagnosed with a terminal illness in the future.
3. Portability. Even if you retire or change jobs, you can take the policy with you. You own it (as long as premiums are paid).
Call 844-808-8009 to enroll.
Our multi-language professionals are available 24/7 to answer all of your benefits and services questions.
