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Core + Voluntary: A Total Spectrum
Disability
Humana Specialty Benefits is proud to offer you four outstanding
Disability products via our wholly-owned subsidiary, Kanawha Insurance
Company:
Group Short Term and Long Term Disability [STD &
LTD]
Group Short Term and Long Term Disability are group
disability income replacement policies that protect employee's
assets and employer's assets as well - by providing incentives
for disabled employees to return to independent, productive lives. Group
Disability STD and LTD products can be offered as employer- and/or employee-paid
benefits.
For more information, click here.
Some features of our STD Plan include:
- Up to 66 2/3% reimbursement of insured's weekly earnings
- Coverage for non-occupational sickness, mental illness, substance
abuse and pregnancy
- Multiple elimination periods and benefit durations
- Available self-funded [ASO] service options
LTD Plan Features:
- Multiple Monthly Benefit Maximums & Elimination Periods
- Various Income replacement percentages up to 66 2/3%
- Incentives for return to work and recovery
- Customized rehabilitation programs
Optional LTD Benefit Features:
- Family Care Credit
- Infectious and Contagious Disease Benefit
- Accidental Dismemberment and Loss of Sight Benefit
- Activities of Daily Living Benefit
- Employee Assistance Program [EAP]
- Online work-life resources - legal, financial and personal
- And many more…
Other Advantages Include:
- Incentives for return to work and recovery -
- Customized rehabilitation programs
Disability Income Plus [DI Plus]
DI Plus is Voluntary group Disability Income insurance
that provides a monthly disability income benefit as a result of a non-occupational
"off-the-job" accident or sickness.
For more information, click here.
DI Plus Benefits
- Pays a percentage of income to a maximum of $3,000 per month
- Base Plans include coverage for: Accident; Accident and Sickness
- Multiple elimination period options
- Convertibility
- Participants who have been covered for at least 12 months and
[voluntarily or involuntarily] terminate employment may convert
coverage through age 63 to an individual policy offered by Kanawha
Insurance Company at the time of conversion
- Optional Emergency Accident Benefit pays up to $400 for treatment
in an emergency room or physician's office due to accidental injury
- Optional AD&D Benefit pays up to $100,000 for accidental death
and dismemberment
- Optional Sickness Elimination Period Waiver Benefit waives EP if
insured is hospitalized due to sickness
Disability Income Advantage [DIA]
Disability Income Advantage is an individual policy
that can help employees pay the bills that won't stop coming, just because
they can't work. Several unique features make it especially attractive.
For more information, click here.
Base Benefits
- Benefit durations from 3 months to 3 years
- 80% disability to qualify as "Totally Disabled"
- Benefits up to $5,000 per month
- Coverage is completely portable and guaranteed renewable up to age
70
- Terminal Illness
- Lump sum = 12x the monthly benefit amount, for diagnosis of
a terminal illness
- Catastrophic Disability
- Defined as loss of sight in both eyes; loss of use of a hand
and foot, both hands, loss of use of both feet or loss of use
of any two limbs
- Removes Elimination Period for all disability income benefits
when the insured is totally disabled regardless of time, duties
or income and pays another 50% of the monthly benefit, i.e., 150%
of the monthly benefit
- Recurrent Disability
- Partial Disability Income
- On line work-life resources - legal, financial and personal
Optional Riders Add Value to Base DIA Coverage
- Hospital Confinement
- Mental Health Rider
- COBRA Rider
- 24-hour Coverage Rider
As a Voluntary Benefit, DIA has the dual advantage of satisfying employee
coverage needs without imposing additional direct costs on employers.
Health
Axium (Individual & Group Accident)
Supplemental Protection Against a Variety of Illnesses
and Accident-Related Expenses
Axium, as a group or individual policy, is supplemental accident insurance.
It can provide employees with off-the-job OR 24-hour coverage for accident
related expenses such as ambulance services, hospital confinement and
medical treatment. The plan also offers coverage for catastrophic losses
such as loss of sight or limb[s]. Optional benefits and riders can help
protect against loss of income or expenses incurred for intensive care
hospital stays. Employees can elect to provide benefits to family members.
For more information, click here.
Axium's benefits are paid regardless of other coverage that may
be in force, including primary health insurance.
Axium's Primary and Optional Benefits
Imbedded Benefits
- Accident Medical Expense: Pays actual charges for physician's treatment
or other emergency room treatment. Pays up to policy amount less a
$50 deductible for ER visits.
- Ambulance Benefit: Pays actual charges, up to policy amount, for
ground ambulance service within a 100 mile radius and emergency air
transportation.
- Hospital Confinement: Provides a daily benefit for hospital room
charge for a maximum of 30 days, up to the amount selected, when the
injury is a result of a covered accident.
- Accidental Death and Dismemberment: Provides a death benefit, as
much as $20,000, as a result of an accidental death. A percentage
of the benefit is paid for dismemberment or loss of sight due to an
accident or injury.
Optional Benefits/Riders
Employers may choose to make all or some of these options available
to employees to further enhance their coverage.
- Accidental Total Disability*: Pays the insured a monthly benefit
of up to $100 per unit [up to 10 units] if total disability occurs
within 30 days of a covered accidental injury.
- Hospital Intensive Care: Provides coverage for intensive care costs
due to a covered accidental injury. Benefits are paid up to $150,
per day/per unit - up to 4 units.
- Bone Fracture and Dislocation: Pays a benefit for a single covered
bone fracture or a covered dislocated joint.
- 24-Hour Coverage: Provides both on- and off-the-job coverage for
base benefits and any attached benefits.
Synergis (Critical Illness)
Critical Illness Protection Allows Flexible Protection
Through Modular Design
Synergis is a Critical Illness Group Insurance Policy that provides a
lump sum payment when [the insured] is first diagnosed with cancer, heart
attack or stroke only. Coverage is available from $5,000 to $75,000 and
the employee's family can also apply for coverage. Coverage is modular
and employee selected for base and optional benefits.
For more information, click here.
The 3 benefit coverage options are:
Cancer Only Coverage:
Pays a lump sum benefit when first diagnosed with cancer. Covered cancers
include: Hodgkin's Disease, leukemia, carcinoma, sarcoma and malignant
tumors. If diagnosed with carcinoma in situ, the policy will
pay 25% of the total benefit amount.
Heart Attack/Stroke Only Coverage:
Pays a lump sum benefit when first diagnosed with a heart attack or
stroke.
Cancer and Heart Attack/Stroke Coverage:
Pays a lump sum benefit when first diagnosed with cancer or a heart
attack or stroke. Offers the most inclusive coverage.
Total Disability Waiver of Premium, Standard with
All Three Plans
This inclusive benefit waives the annual premium if the primary insured
is totally disabled for more than 180 days. On the 181st day, the waiver
becomes available and reimburses the insured for the previous 180 days
and remains in effect until the insured is able to return to work.
Optional Persistency Benefit
Assuming payments are made for 20 years with no claims for covered
conditions, the Persistancy Benefit returns a benefit equal to 240x
the initial monthly premium to the insured.
Cancer Plus
Supplemental Funds for the Expenses and Treatment
of Cancer
The expenses associated with the treatment of cancer, plus ancillary
costs, are often devastating in their extent, even when employees are
already covered by health insurance.
For more information, click here.
Cancer Plus is a cancer expense insurance policy designed to provide
funds to help offset expenses incurred for a covered cancer, 30 days
after policy issue. Its features include:
- Unlimited lifetime benefits
- Guaranteed renewable for life
- Pays 100% of usual and customary charges for inpatient or outpatient
services, supplies and treatments to policy maximums per calendar
year.
- Benefits are based on the number of units purchased, to a maximum
per calendar year of $50,000 per insured.
- Insured may select benefit amount from $10,000 to a maximum of
$50,000 per calendar year.
- Benefits are paid directly to the insured.
- The policy is fully portable. Premiums do not increase if the
employees changes employer.
- No deductibles
- Travel benefit for family members covers expenses for travel to
and from cancer treatment facility at least 60 miles each way from
the residence area, limited to a maximum of $200 per day for all
family members.
- Wellness benefit provides coverage for annual physical examination
for cancer, to a maximum of $150 per calendar year per insured,
after the policy has been in force for one year.
Cancer Plus pays 100% of usual and customary charges for the following
covered expenses for each family member insured:
In-hospital Coverage
- Hospital stay
- Private-duty nurse
- Transplants
- Attending Physician
- Drugs and medicines
In- or Out-of-Hospital Coverage
- Radiation therapy
- Experimental treatment
- Surgery
- Laboratory tests
- Prosthetic devices
- Physical and/or speech therapy
- Chemotherapy
- Diagnostic tests
- Anesthesia
- Reconstructive surgery
- Blood and plasma
Outpatient Coverage
- Drugs, medicine, lab work
- Braces and wheelchairs
- Physician
- Prosthetic devices
Non-Medical Coverage
- Ground ambulance service to and from the hospital within 100 miles
- Emergency room transportation for treatment [includes air] more
than 100 miles distant
Optional Cancer Plus Riders Employers May Elect
to Offer Employees:
Cancer Lump Sum First Diagnosis Benefit Rider
- Pays a one-time benefit up to $2,500 per unit when individual
is first diagnosed with cancer. This benefit is excluded from the
calendar year maximum.
Cancer Hospital Indemnity Benefit Rider
- Pays $200 per day for hospital confinement for the medical diagnosis,
care or treatment of cancer for up to 7 days.
Simple Family Enrollment
Benefit amount selected by primary insured will be the same amount
of coverage available to his/her spouse and/or children. Children
from newborn to age 18 [up to 25 if unmarried full-time students]
may be covered. There is no waiting period for newborns or newly adopted
children.
Cash Cancer Plus
Lump Sum Payment to Help Offset the Costs of Cancer
Cash Cancer Plus is designed to pay a lump sum cash benefit when the
insured is first diagnosed with internal cancer or malignant melanoma.
No hospitalization or treatment is required for the insured to receive
the cash benefit. Individuals may use the cash payment for any chosen
purpose. Cash Cancer Plus pays in addition to any other insurance coverage
already in force.
For more information, click here.
A Comprehensive Plan and Return of Premium Option
Cash Cancer Plus cash benefits are: $10,000; $20,000; $25,000, $30,000;
$40,000 and $50,000. Additional features include:
- Guaranteed Level Benefits: Same lump sum benefit amount for all
covered family members, regardless of age.
- Eligible Ages: 18 to 69 [64 is maximum issue age in the state of
California]
- Plan Types: Individual; Family [two parents and all children]; Single
Parent [parent and all children; for two or more children only, use
Single Parent].
- Premiums do not increase with age.
- Guaranteed Renewable: Coverage is renewable for life as long as
premiums are paid on time. The policy terminates once claims have
been paid for all covered individuals.
- Free Look Period: The insured may return the policy within 30 days
of receipt with all premiums refunded.
- Easy to Apply: There are no medical exams no physician statements,
no phone interviews - just a simple application to fill out.
Optional Return of Premium Rider
Premiums will be refunded if cancer does not occur during the term of
the policy, provided the policy has remained continuously in force and
no claim has been paid. Percentage depends on age at which policy
was issued, length of policy and varies by state.
Simple Family Enrollment
Benefit amount selected by primary insured will be the same amount of
coverage available to his/her spouse and/or children. Children from
newborn to age 18 [up to 25 if unmarried full-time students] may be
covered. There is no waiting period for newborns or newly adopted children.
Life
Life can be beautiful!
Life can be beautiful indeed, especially
when brought to you by Humana Specialty Benefits. We're proud to offer you seven very
attractive Life products, through our wholly-owned subsidiary,
Kanawha Insurance Company:
Level Term Life & Aegis
This is outstanding Life protection for Americans when they need it the
most: during their working years, when obligations like mortgages, education
needs and the increased expenses of family life make full coverage critical.
Rates are designed to remain level for the duration of the policy period.
For more information, click here.
Some features of Level Term Life include:
- Life and Accidental Death & Dismemberment Benefit for employees
- Optional spouse and child benefits available
- Terminal Illness Benefit acceleration of the Life Benefit Amount
- Portable
Optional Level Term Life Features:
- Living Benefit Riders
- Quality of Life [Long-term Care] - payments for qualified individuals,
equal to a percentage of their life insurance face amount, distributed
on a monthly basis [accelerated benefit; will reduce life benefit
amount]
- Critical Illness - pays a percentage of life insurance face
amount based on a certain diagnosis of conditions such as cancer,
heart attack, organ transplant, stroke…including a Disability
Benefit [accelerated benefit; will reduce life benefit amount]
- Family Life & Accidental Death and Dismemberment Coverage
Critical Life Plus
Critical Life Plus is insurance that protects employees, their
families and their assets in the event of a critical illness, the costs
of which can easily exceed the benefits provided by ordinary health insurance.
It is offered in a packaged combined with Level Term Life, as described
above.
For more information, click here.
Important: Unlike specified disease policies that cover only
the "big three" critical illnesses [heart disease, cancer and stroke]
Critical Life Plus can pay benefits triggered by up to 10 critical illnesses
and runs concurrent with the Level Term Life coverage for the selected
policy duration.
Critical Illness features of Critical Life Plus
include:
- Critical Illness Benefit - benefit "triggers" with available benefit
payments as a percentage of policy face amount:
- 100% Benefit Payments - Cancer, End Stage Renal Failure, Heart
Attack & Stroke
- Partial Benefit Payments - Life Altering Birth Defects, Aortic
Surgery, Coronary Artery Bypass Surgery, Heart Valve Surgery,
Angioplasty & Disability
- Accelerated Living Benefit - a percentage of the death benefit amount
may be selected to be the benefit value for the participant's Accelerated
Living Benefit amount; see policy for details
- Multiple payment plans available
Level Term Life Benefit Features of Critical
Life Plus
- Life and Accidental Death and Dismemberment Benefit for employees
- Optional spouse and child benefits available
- Terminal Illness Benefit acceleration of the Life Benefit Amount
- Portable
Care Life
Most people think of long-term care as something that happens after retirement.
But reality often says otherwise. Not only is long-term care something
that can be needed at any age, it is particularly important to have it
during one's working years, when expenses are at their highest.
For more information, click here.
Care Life is a combination of Level Term Life insurance
an5d long-term care insurance that is specifically intended for coverage
during the insured's working years.
Long-term care is not typically covered by disability or major medical
policies. Care Life is less costly than a stand-alone long-term
care insurance policy but still provides excellent protection.
Base Long Term Care Benefits of Care Life:
- Home Healthcare/Adult Daycare
- Nursing Home Care
- Long Term Care Benefits start if the insured cannot perform 2 of
these Activities of Daily Living:
- Bathing, Dressing, Transferring, Toileting, Continence and Eating
Level Term Life Benefit Features of Care
Life:
- Life and Accidental Death and Dismemberment Benefit for employees
- Optional Spouse and Child benefits available
- Terminal Illness Benefit acceleration of the Life Benefit Amount
- Portable
Basic Group Term Life [GTL]
Group Term Life is one of the more essential benefits an employer
can provide to employees. It is always appreciated for the affordable
security it provides employees and their families.
For more information, click here.
Group Term Life insurance is offered on a Basic [employer-paid]
or Supplemental [employee paid] basis. With either type of coverage,
spouses and dependents may be covered.
Group Term Life Benefits:
- Provides payment in the face amount of the policy in the event of
the death of the insured
- Accidental Death and Dismemberment can be embedded in the Basic
GTL policy
- Employer selects the benefit schedule to be made available to various
classes of employees
Supplemental Group Term Life Benefits:
- Enables coverage in excess of what the Basic plan may offer
- Spouse and Child benefits available
Optional Group Term Life Features [Basic & Supplemental]:
- Accidental Death and Dismemberment benefits
- Accelerated Life Benefit:
- Permits covered employees diagnosed with a terminal illness
to receive a portion of their life benefit while living
- Disability Waiver of Premium
- Portable
Secure Life [Whole Life]
Secure Life is actually a family of three Whole Life policies,
differing in their paid-up age stipulation. The employer selects
the policy to be offered; the employee is presented with one of these
three:
Secure Life 65: premiums payable to age 65
Secure Life Plus: premiums payable to age 90
Secure Life Select: premiums payable to age 99
For more information, click here.
Secure Life is a simple, voluntary "what you see is what you get" whole
life insurance policy that employees can buy at a reasonable cost. Secure
Life is a nice complement to term life insurance during one's working
years. It's also a benefit that, unlike many today, will stay with them
when they enter retirement: no small consideration in our present economy.
Participants buy a policy with guaranteed coverage and cash value.
Coverage is guaranteed to stay level [based on policy inception age]
and cash values stay with the policy for its lifetime, allowing for
flexible withdrawals that may be taken out as loans or used to buy paid-up
coverage.
Secure Life Base Benefits:
- Guaranteed death benefit
- Guaranteed cash value
- Paid-up coverage at specified age
- Loans and withdrawals available
- Terminal Illness Benefit
- Individually owned and portable
Secure Life Optional Riders [Employer Selected]:
- Employee and Spouse benefits
- Automatic Benefit Increase
- On policy anniversaries 1 through 5, coverage increases equivalent
to a $1 or $2 per week premium may be elected by employee
- Loss of Work [Employee only]
- Provides waiver of premium due to authorized strike, lockout,
layoff or job elimination
- Waiver of Premium [Employee only]
- Provides waiver of premium due to Total Disability
Secure Life Optional Riders [Employee Selected]:
- Accidental Death and Dismemberment
- Employee Level Term to Age 65
- Family Term - Spouse and Child benefits
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