Voluntary Benefits

Unum Life CTA from Unum on Vimeo.

Whole Life Insurance with Long Term Care Rider:

While Term Life Insurance is an important benefit to maintain through your working years, Whole Life Insurance can also provide you with an additional level of Life Insurance coverage. Typically the premium for Whole Life insurance is fixed so your cost will not increase for the life of the policy. Whole Life insurance not only helps pay for final expenses it can also potentially accumulate cash value where, over time, you could borrow from that cash value.

Aflac Group Critical Illness

Group Critical Illness with Cancer Rider

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 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.

 

Group Accident

If you or your covered dependents experience an injury such as broken bones, torn ligaments, burns or other covered injuries due to an accident, Accident coverage can provide you with a lump-sum benefit based on the type of treatment you need. The benefits you receive may cover expenses incurred from emergency room treatment, hospitalization, surgery, medical appliances, lodging, and certain follow-up therapy services.

These 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 the full schedule of benefits including covered injuries/incidents and covered expenses.

ShawHankins Hospital Benefit Video from ShawHankins on Vimeo.

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.

ShawHankins Advantage from ShawHankins on Vimeo.

ShawHankins Advantage

The ShawHankins Advantage package gives you access to doctors 24/7, provides resources for navigating the complex healthcare system and tools to save money. The benefits include: Teladoc, Health Advocacy, Medical Bill Saver, Nurseline, Doctors Online and Health Wealth Connections.

Please review the plan documents to see the full schedule of benefits.

ShawHankins Advantage Benefit Brochure

ShawHankins Advantage  Plus Benefit Brochure

ShawHankins Advantage Premier Benefit Brochure

This website is brought to you by ShawHankins.
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. ShawHankins is not liable for the information provided on any of the external websites provided.