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  Supplemental Coverage
 
 

Fact: Employers are quickly becoming the only source of information and access to quality "supplemental" products that employees can choose to purchase.

Fact: Employer-sponsored voluntary programs are largely overlooked in the Christian school community. Group access = smaller premiums

Fact: Supplemental Products + Section §125 Plans = $$ to Employees & Employers

  
   
  Medical Coverage vs. Lifestyle Protection
 

Comprehensive major medical coverage is specifically designed to pay doctor and hospital bills.

In times of need, you can usually count on family, friends, and your Church to help you through hardships. However, even their support is not always enough. Supplemental coverage helps pay the everyday bills that major medical insurance just doesn't cover.

But when employees are seriously ill or injured, who helps pay their family's everyday expenses?

Supplemental coverage pays benefits directly to your employees. Coverage is voluntary, which means your benefit package is strengthened with products at group rates with no additional cost to your budget.
   
 
 

Fact: More than 88 million Americans now living will suffer from cancer in their lifetime.

Fact: Cancer will affect 1 out of every 3 Americans and 3 out of every 4 families

Fact: Heart Attack is the #1 cause of death of both American men and women.

Fact: Stroke is the leading cause of serious disability in the United States.

  
   
  Benefit consultants have long praised the need for coverage associated with certain catastrophic diseases or illnesses. Cancer, Heart, and Intensive Care are the leading coverages that employees want and need.
   
  Supplemental Coverages Design
    Loss of Income
- If you or your spouse are unable to work or must care for a family member.
     
    Direct Insurance Costs:
  • Benefit limitations
  • Co-payments
  • Deductibles
     
    Basic Living Expenses:
  • House payments / rent
  • Automobile payments
  • Utilities: telephone, gas, electric
  • Groceries
     
    Special Needs and Expenses:
  • Transportation for family members
  • Hotel bills for family members
  • Special Diets
  • Childcare
   
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