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Accidents happen every day, but an accidental injury doesn't have to lead to financial distress for your employees. Deductibles and leftover medical treatment costs can add up fast. And, major medical insurance doesn't always cover everything. With Accident Insurance from Allstate Benefits, your covered employees can concentrate on recovery, knowing that they have help protecting their finances.
Accident Insurance can help take care of out-of-pocket expenses and medical costs beyond what existing health insurance covers, including:
If a covered employee is unable to work because of illness or injury, Disability Insurance from Allstate Benefits can help with a monthly cash benefit until they are able to return to work. Most coverage provides benefits of up to 60 percent of a disabled employee's income. Benefits can help cover expense like:
Critical Illness insurance from Allstate Benefits can help protect the budget so everyone can focus on recovery.
Core health insurance doesn't always cover all the costs associated with a critical illness diagnosis and treatment. And it certainly doesn't help pay personal expenses that may accrue during recovery. Critical Illness Insurance can help, by paying cash benefits for a covered diagnosis in addition to any other insurance already in place. And, the cash benefits can be used for anything from hospital bills to groceries – there are no restrictions. Plus, through our relationship with the American Cancer Society, we offer resources and support to our insureds who have been diagnosed with cancer.
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Critical Illness Insurance provides benefits when a covered person is diagnosed with an eligible condition like heart attack, stroke, major organ transplant, end stage renal failure or coronary artery bypass surgery. People with this coverage submit claims after diagnosis and/or treatment, and benefits are paid for approved diagnoses and procedures based on a pre-determined schedule of benefits. Employers may choose to add certain cancer diagnoses and other medical conditions to their employees' coverage. Benefits are paid whether further medical treatment is received or not.
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Short Term Medical Insurance, also known as temporary or term health insurance, is a type of health insurance coverage that provides temporary coverage for unexpected illnesses or injuries. It is often used as a bridge between coverage periods or as a temporary solution for those who are uninsured or between jobs.
Benefits Summarized:
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Unexpected hospital visits lead to unexpected costs – and research shows that most people aren't prepared to handle such surprise expenses. Hospital Indemnity Insurance can help cover some out-of-pocket medical costs associated with a hospital stay. This can be especially helpful if the major medical plan's deductible has not been met. Hospital Indemnity benefits are paid directly to the covered person, regardless of other coverage, and can be used for any purpose – there are no restrictions.
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Group Hospital Indemnity Insurance pays cash benefits for covered expenses related to a hospital stay. People with this coverage submit claims after a hospital stay, and benefits are paid for approved expenses based on a pre-determined schedule of benefits. Employers may choose to include coverage for hospital stays due to pregnancy.
Dental Insurance can help protect insureds' oral health and their savings, by covering routine care and helping to prevent complications requiring extensive and costly treatment.
Allstate Benefits offers Dental Insurance from Ameritas, a highly rated insurer serving more than 81,000 employer groups across the country. Ameritas provides benefits for preventive services and basic or major dental treatments, and insureds can choose a provider from the Ameritas Dental Network, once of the nation's largest. The plan also offers a Dental Rewards® program. By visiting a dental provider each year and submitting a claim under your plan threshold, you can qualify to carry over benefit dollars and increase your available dental insurance benefits.
In addition, the Ameritas plan offers coverage for LASIK and related procedures, and benefit allowances for hearing exams, hearing aids and hearing aid maintenance.
Healthy vision plays an important role in overall wellness and regular eye exams are important for maintaining vision health. While the costs of checkups, glasses and contacts can add up, vision insurance can help reduce those expenses.
Allstate Benefits offers Vision Insurance through Ameritas, a highly rated insurer serving more than 81,000 employer groups across the country. Annual eye exams and single vision, bifocal and trifocal lenses are 100% covered, after deductible, when obtained from an in-network provider. Members also enjoy a generous allowance for frames and contacts, as well as, a discount on LASIK and PRK laser vision correction at in-network providers.
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