Voluntary Benefits

Group Whole Life

With a whole life insurance plan, you have a choice of benefit and premium amounts that can fit your paycheck and lifestyle.  You also have access to the cash value accumulated in the plan and may use these savings for loans or withdrawals.  You own this coverage and can keep it in force even when you retire of if you change employers.

Newly eligible employees may enroll in employee coverage up to $50,000 and spousal coverage up to $25,ooo without answering medical questions. Late enrollees must answer medical questions and be approved for all coverage amounts.

Group Critical Illness


Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.

In general, under a Group Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit. For example, if you elect to have a $10,000 policy amount and experience a stroke you could receive the full $10,000. This benefit can be used to help offset your income, pay for deductibles and copayments, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.

In addition, the policy you elect can be used for each covered condition as long as the allowable period of time has been met between the diagnoses of each condition. Each condition is payable once per lifetime. Depending on your plan options, you may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.

This policy also pays a $50 Wellness Benefit for each covered individual per year if a covered health screening is performed: blood tests, chest x-rays, stress tests, mammograms, colonoscopies. To claim your Wellness Benefit, please call Unum at 800-635-5597.

This is your policy, therefore coverage is portable. You can take this coverage with you if you leave or retire without having to answer health questions.

Please review the plan documents to see details on the coverage options available including a full list of covered conditions.

Employees may enroll in up to $20,000 in employee coverage and up to $10,000 in spousal coverage without answering medical questions. At open enrollment

All existing insured may increase their coverage amount to the guarantee issue amount of $20,000 for employees and $10,000 for spouses, without answering medical questions.

Group Hospital Indemnity

If you end up in the hospital due to an illness or injury for several days, you may be concerned with how you will pay for those unexpected medical expenses. Hospital Indemnity coverage can help you pay for costs associated with hospitalization, outpatient surgery, and diagnostic procedures. This benefit is designed to help pay the out-of-pocket expenses. This benefit is designed to help pay the out-of-pocket expenses your health insurance may not cover such as deductibles, copayments and coinsurance.

Benefits are generally paid in addition to and regardless of other coverage you may have (i.e. health insurance).
Please review the plan documents to see details on the benefit amounts.

Newly eligible employees do not have to answer medical questions in order to be insured. All late enrollees must answer medical questions and be approved for coverage.

This website is brought to you by NFP.
The information contained on this website is intended for general purposes only. It is an abbreviated overview of the benefit plans. Please refer to the Certificate Booklet (the contract) available from the plan carriers for complete details. Your Certificate Booklet will provide detailed information regarding copayments, coinsurance, deductibles, exclusions and other benefits. The Certificate Booklet will govern should a conflict arise related to the information contained in this website. The information contained in this website does not establish eligibility to participate in or receive benefits from any benefit plan. Please note the links to any external websites are provided simply to assist our employees with convenient access. NFP is not liable for the information provided on any of the external websites provided.