Voluntary Benefits

Provided by: Guardian

Please Note: These benefits are voluntary and employees are responsible for 100% of the premium.

Accident Insurance

If you and your family are active, chances are, you're no stranger to a hospital emergency room. Even with medical insurance, a fall while riding your bicycle or your child's sprained ankle at soccer practice can cost you a bundle in out-of-pocket expenses.

Financial Support to Help You Get Back on Your Feet

• No matter what kind of medical coverage you have, you may have out-of-pocket costs that could really set you back financially.
• Guardian pays you cash benefits on covered injuries, treatments and services.
• Payments go directly to you and can help pay for other expenses, like traveling to the hospital, childcare and lost income from missed work.
• The "Child Organized Sport" benefit pays you an extra 25% cash benefit for each accident when the dependent child is injured while playing an organized sport.

An Example of How Accident Insurance Works

While Sue was hiking in a local park, she fell and tore cartilage in her knee. She went to the hospital emergency room for treatment and stayed overnight. The doctor gave her a brace and scheduled her for a follow up visit. See how Accident Insurance offset Sue’s Expenses:

While Sue was hiking in a local park, she fell and tore cartilage in her knee. She went to the hospital emergency room for treatment and stayed overnight. The doctor gave her a brace and scheduled her for a follow up visit. See how Accident Insurance offset Sue’s Expenses:

Total Cash Benefit Paid for Covered Services: $2,790

Critical Illness Insurance

Health care costs are on the rise. Even with medical insurance, you’re often still responsible for both medical and non-medical expenses related to your recovery from a serious illness. The cost you pay for copays and deductibles, as well as other expenses could set you back financially.

Help Protect Your Savings

• The plan pays you cash benefits based on each eligible diagnosis such as heart attack, stroke or cancer.
• Pays a benefit for up to 33 covered illnesses, as well as offers a benefit for a reoccurring condition.
• The cash benefits are paid directly to you, so you decide how to use them.

Wellness Benefit

If you or a covered dependent complete an annual routine wellness screening or procedure such as a colonoscopy, mammogram, cholesterol testing etc., you will receive a benefit payment once a year. Please review the plan documents found on this website for a full list of wellness screenings and procedures.

Employees and dependents that did not enroll when initially eligible but want to enroll during open enrollment or who wish to increase their coverage must complete the health questionnaire found on this website

• If you answered NO to all questions, then coverage may be issued.
• If you answered YES to any questions, you do not qualify for enrolling in this plan or increasing your current coverage.
• Forms must be signed and submitted to Guardian via email at CRU@uglic.com