Your Local 360 se complace en ofrecer a nuestros valiosos miembros
las siguientes opciones de beneficios complementarios:
Critical Illness Insurance
Coverage that helps protect families and their assets in the event of a critical illness. Specialized benefits supplement other health insurance when employees may be most vulnerable: during the working years. Benefit payments can assist in covering a variety of expenses associated with a critical illness: out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses.
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.
How to Enroll for Critical Illness Insurance
1. Call our call center at 844-808-8009
2. Self enroll HERE
Disability Insurance
Disability Income Plus is a disability income insurance policy designed to helpprovide you with a monthly income due to accident or sickness.
With ManhattanLife Disability Income Plus you won’t have that worry. You’ll enjoy a valuable benefit to help supplement lost wages due to a covered injury or illness. You will receive a payment to spend however you wish — to help cover everyday expenses, medical costs, and more. Plus, ManhattanLife Disability Income Plus pays in addition to any existing disability coverage you may have.
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
How to Enroll
1. Call our call center at 844-808-8009
2. Self enroll HERE
Whole Life Insurance
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, even to age 99. 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. Plus, Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or a go to new company. It’s an excellent complement to a term life plan.
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.
How to Enroll
1. Call our call center at 844-808-8009
2. Self enroll HERE
Accident Insurance
Group Accident Insurance Plan provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits. The benefit is paid directly to you to help cover unexpected out-of-pocket expenses while you recover - deductibles, co-pays, childcare, and other non-medical bills.
Important Covid-19 Information:
Accident Insurance will not be impacted by COVID-19 as this product reimburses for accidents from injury and not sickness.
How to Enroll
1. Call our call center at 844-808-8009
2. Self enroll HERE
Hospital Indemnity Insurance
The Hospital Indemnity plan pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. The plan supplements your primary medical coverage by filling the potential gaps created by rising deductibles, co-payments and out-of-pocket expenses not covered by your health plan. Benefits can be paid directly to you or your medical service provider regardless of what your primary insurance covers - there is no coordination of benefits. You have the freedom to use the cash benefits as needed; to cover medical bills, everyday living expenses, or other unexpected out-of-pocket expenses.
How to Enroll
1. Call our call center at 844-808-8009
2. Self enroll HERE
Term Life
Key features of Term Life Insurance policies:
Coverage on and off the job with no hazardous, line of duty or occupational restrictions. Guaranteed level premiums. Portable policies allowing employees to keep the coverage after they leave their current employment. Quality of Life rider which accelerates a portion of the death benefit due to chronic illness or cognitive impairment, with FPP-TI product in approved states. No war or terrorism exclusions.
How to Enroll
1. Call our call center at 844-808-8009
2. Self enroll HERE