Cigna Voluntary Products
At Cigna, we understand the key role employee benefits play in attracting and retaining a strong workforce. That is why we offer voluntary benefit plans that let you customize a program to suit your specific workforce and budgetary needs.
- Accidental Death and Dismemberment (AD&D)
Cigna's AD&D plan helps provide employees and their families with financial protection in case of a covered accident. Benefits are payable upon death or serious injury, as well as living benefits for non-fatal catastrophic injuries.
- Accidental Injury
Cigna's Accidental Injury insurance coverage is an affordable way to make up for expenses not covered by traditional insurance. In the event of a covered accident, it pays a lump sum cash benefit with no restrictions on how the money is used.
- Critical Illness
Cigna's Critical Illness insurance coverage is an affordable way to offset a family’s out-of-pocket expenses due to a covered life changing health event. It pays a lump sum cash benefit with no restrictions on how the money is used.
- Dental Insurance
Cigna has the largest DPPO network in the nation1 to provide strong access and discounts on dental care costs. We offer a wide range of dental products and features to our customers.
- Disability Insurance
Cigna offers proactive stay-at-work services for employees who are at an increased risk of disability. If a disability happens, our plans provide employees with a portion of their salary, along with personalized return-to-work programs, so eligible employees can return to work more quickly and safely. Our disability plans include Short-term, Long-term and Mid-term.
- Group Universal Life Insurance
Cigna Group Universal Life insurance can help employees with solid financial planning. It combines the protection of life insurance with the option to build cash value through contributions to a Cash Accumulation Fund (CAF)2.
- Term Life Insurance
Life insurance is an essential part of financial planning. With Cigna Life insurance, customers can help provide their families with financial protection by selecting life plans that will provide financial resources to help them to carry on.
- Vision Insurance
Cigna Vision is a cost-effective vision benefit solution with in and out-of-network coverage through one of the nation's largest routine vision networks3. It offers access to quality eye care professionals and 24/7 claim, eligibility and customer service.
Cigna Group Voluntary Dental, Group Universal Life and Vision plans are insured or administered by Connecticut General Life Insurance Company. Cigna Group Voluntary Accident, Critical Illness, Disability and Term Life plans are insured or administered by Life Insurance Company of North America. Product availability may vary by state. All plans have exclusions and limitations. Complete terms are set forth in the applicable group policy or group service agreement. These products offer limited benefits and are not intended to be a substitute for major medical insurance coverage.
Contact your Cigna representative for more information.
1 Based on unique dentists. Source: NetMinder. Data as of May 2011.The Ignition Group makes no warranty regarding the performance of the data and the results that will be obtained by using the data.
2 Maximum contributions are based on Internal Revenue Code limits and are subject to a 2% premium charge.
3 Cigna's Vision Competitive Landscape, June 2011.