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| Individual Voluntary Benefits |
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Our Individual Voluntary products are personalized, optional insurance benefits that are selected and paid for by employees. These benefits help employees with the out-of-pocket costs related to unexpected sickness or injury.
Hospital Indemnity Insurance
Policy Form HPHI20003*
- Pays a specific amount for each day of covered hospital stay to help offset out-of-pocket costs
- Optional hospital-related and emergency-care benefits available
Lump-sum Cancer Benefit
Policy Form PC29/PC24 in Florida*
- Pays lump-sum benefit after first diagnosis of internal cancer
- Benefit amounts range from $10,000 to $50,000
- Helps insured focus on recovery, not financial burden
Disability Income Insurance
Policy Form HPDI2002*
- Pays monthly benefit to help offset loss of income during disability
- Employees can choose:
- When benefits begin
- How much they will receive
- How long they receive benefits
- Optional benefits available
Life Insurance
Policy Form LPRT2002*
- Employee chooses the benefit amount
- Optional features include:
- Family term insurance
- Children's term insurance
- Accidental death benefit
- Waiver of premium
Premiums for individual voluntary products are collected through payroll deductions. Coverage is portable, which means that employees can take the coverage from job to job. |
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Individual products are underwritten by Professional Insurance Company (in California, PIC Life Insurance Company).
* Or appropriate state edition. Individual products are not available in AK, DE, ME, NH, NJ, NY, RI and VT.
The individual voluntary benefit products described here contain certain exclusions and limitations as well as terms under which such coverage can be continued or discontinued. For costs and complete details of the plans and services advertised, including availability, please contact your insurance representative.
SLPC 18319 01/08
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