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Accident/Disability Policy:
Our Accident policy helps to provide a financial cushion beyond the accident. An injury could become debilitating and stop or hinder your capacity to earn a living. With over 40 million visits to the hospital emergency rooms (in 2003), accidents continue to be one of the leading causes of death and disability in this country. According to the National Safety Council* there were over 23,200,000 unintentional disabling injuries in 2004!
(Source: Injury Facts, 2005-2006 Edition, National Safety Council)Our Short Term Disability policy helps with the loss of pay resulting from a sickness, accident or off-the-job injury through monthly benefits, or benefits for the specific time that your Doctor says you are unable to perform your job. According to the National Safety Council, an average of 2,360 disabling injuries occurs ever hour during the year! (Injury Facts, 2004 Edition, National Safety Council)
Cancer/Specified Disease Policy:
Our Cancer/Specified Disease policy helps with expenses related to cancer treatment -medical and/or non medical. In the US, men have a little less than a 1 in 2 lifetime risk of developing cancer; for women the risk is a little more than 1 in 2. About 1,372,910 new cancer cases were expected to be diagnosed in 2005. (Cancer Facts & Figures 2005, American Cancer Society)
Hospital Confinement Indemnity Policy:
Our Hospital Confinement policy can help with the non-covered expenses of a hospital stay. Inpatient daily costs average over $1,200; outpatient surgery accounts for 63% of all operations. (Hospital Statistics, 2004 Edition, Health Forum LLC an affiliate of the American Hospital Assoc Co)
Like all of our policies, our Dental policy is a portable, "no deductible" plan that offers freedom of choice and no coordination of benefits. Good oral care - including periodic wellness visits - helps reduce the likelihood of expensive treatment and work disruption later on.
Hospital Confinement/Sickness Indemnity Policy:
Our Hospital & Sickness policies provide a physician feature that covers sickness, accident and wellness visits in addition to the plan's basic sickness-only benefits. Illness rather than injury is the leading cause of emergency room visits. (Advance Data, CDC, March 2004)
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