What are Voluntary Benefits?
When an unexpected illness or injury happens, your focus should be on getting better and not on financial worries. While you can't predict life's unexpected events, you can plan for them by choosing benefits that can help protect your financial future.
Critical Illness Insurance
Cigna's Critical Illness insurance can help provide you and your family with the additional financial protection you may need for expenses associated with an unexpected covered critical illness. Cigna Critical Illness insurance pays you, or whoever you designate, a lump-sum benefit for diagnosis of a covered critical illness or specified event such as a heart attack or stroke. It can help you pay for expenses such as travel, room and board, transportation, child care or treatment options not covered by primary insurance.
Accidental Injury Insurance
Cigna's Accidental Injury insurance pays you (or whoever you designate) for treatments or injuries resulting from a covered accident. It can help you pay for expenses while you're recovering from an accident such as rehabilitation, transportation, child care, travel or other out-of-pocket expenses that are not covered by your primary health insurance.
Hospital Care Insurance
With Cigna's Hospital Care Insurance, benefits are paid after a qualified hospitalization1 resulting from a covered injury or illness. You can use the money however you'd like.2 It can help you pay for expenses such as child care, travel, or other out-of-pocket expenses.
1. Benefits may be paid directly to the hospital upon assignment.
2. The term "Hospital" does NOT include a clinic, facility, or unit of a Hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.
CRITICAL ILLNESS, ACCIDENTAL INJURY AND HOSPITAL CARE (INDEMNITY) INSURANCE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE "MINIMIUM ESSENTIAL COVERAGE" OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.
Group and voluntary insurance products are offered by Life Insurance Company of North America (LINA) or Cigna Life Insurance Company of New York (New York, NY). Products may not be available in all areas. Insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. Waiting periods may apply. For costs and complete details of coverage, see your plan documents. Policy forms: Accidental Injury: GAI-00-1000, GAI-00-1000.OR et al, Critical Illness: GCI-00-1000, GCI-02-1000, GCI-00-0000.OR, GCI-02-0000.OR et al, Hospital Indemnity: GHIP-00-1000, GHIP-00-1000.ORa et al (LINA).