AFSCME Local 391 Supplemental Insurance Benefits
If you have any questions about these benefits or how to enroll, call The Forza Insurance Group at 866-229-7701.
Accident Insurance
Group Accident Insurance from Manhattan Life provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.
The benefit is paid directly to you and can be used for whatever you want. Help cover unexpected out-of-pocket expenses while you recover – deductibles, co-pays, childcare, and even non-medical expenses.
Group Accident Insurance includes these additional riders at NO COST to you!
- Includes a $75 Wellness benefit payment for covered yearly checkups – every year!
- Youth Organized Sports Rider included at NO COST! Extra protection for non-professional sports injuries, such as club sports.
- Coverage ON and OFF the job
- Direct payment to you.
Critical Illness
Critical Illness Insurance from Manhattan Life helps protect families and their assets when employees are most vulnerable: during the working years.
Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness or an occurrence of a different critical illness, up to the maximum payment.
Benefit payments can be used for whatever you want, such as out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses.
- Includes a $50 Wellness benefit payment for covered yearly checkups – payable every year!
- Pays in coordination with any other insurance you may have.
- Low-cost affordable rates!
- Direct payment to you.
Hospital Indemnity
The Hospital Indemnity plan from Manhattan Life pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. The plan supplements your primary medical coverage by filling the potential gaps created by rising deductibles, co-payments, and out-of-pocket expenses not covered by your health plan.
Benefits can be paid directly to you or your medical service provider regardless of what your primary insurance covers – there is no coordination of benefits. You have the freedom to use the cash benefits as needed; to cover medical bills, everyday living expenses, or other unexpected out-of-pocket expenses.
- Wellness benefit. Receive a $50 payment for covered yearly checkups – every year!
- Guaranteed acceptance up to age 90 – no medical questions!
- Waiver of Premium rider included. Premiums are waived if the primary insured is totally disabled for more than 180 days.
Short Term Disability
Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work-related, so you can’t count on Worker’s Compensation to be there for you and your loved ones.
The Disability Income Plus from Manhattan Life is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness.
You’ll receive a monthly payment that you can spend however you wish — to help cover everyday expenses, medical costs, or whatever you want!
- Waiver of Premium. If an employee becomes disabled again within 180 days of returning to work, the elimination period is waived, and benefits are immediately available for up to the remaining benefit from the previous disability.
- Pays in coordination with any existing disability coverage you may have.
- Direct payment to you.
Whole Life Insurance
A Whole Life policy from ManhattanLife lets you plan for the future while getting real benefits for today!
- Cash value. A Whole Life plan can build cash value, that you can have access to, for things such as mortgage costs, a child’s education expenses, retirement income and more
- Portability. Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or go to a new company.
- Premiums that never go up.
While you may have a basic Term Life plan during your working years, it may not be enough to provide the level of coverage your family needs in the later years, even to age 99. Whole Life can help. It provides coverage through retirement with premiums and benefits that don’t change with age.