Benefits Program
The value of supplemental insurance is measured during a time of need — an accident, a disabling injury, illness or death. Allstate Benefits provides the right employee benefits — accident, critical illness, cancer, disability, vision and dental — that are customizable with various levels of coverage.
Accident
Even when we live well, accidents happen.
Accident insurance from Allstate Benefits pays a cash benefit to the insured for a covered accident or injury and can help pay expenses such as copays, deductibles and treatment. Accident coverage can help pick up where other insurance leaves off. Coverage may also include:
Benefit Enhancement Rider
The Benefit Enhancement Rider provides additional coverage that corresponds with many health care-related procedures when an accident or injury occurs.
Key Features
- Coverage available for the insured or the entire family
- Benefits are paid directly to the insured unless assigned to someone else
- Premiums are affordable
Cancer
Receiving a cancer diagnosis can be one of life’s most frightening events.
Cancer insurance from Allstate Benefits pays cash benefits for cancer and other specified diseases to help with the costs associated with treatments and expenses as they happen. Our Cancer coverage can help provide added financial support when it is needed most. Cancer coverage can help offer peace of mind when a diagnosis of cancer or a specified disease occurs. The benefit can help pay for hospitalization, surgery, radiation/chemotherapy and more. Terms and conditions for each benefit will vary.
Cancer Screening Benefit
Pays a yearly benefit for one of many cancer-related screenings.
Wellness Benefit
Pays yearly benefit for one of many health care-related preventive procedures
Key Features
- Benefits are paid directly to the insured unless otherwise assigned
- Coverage available for the insured or the entire family
- Waiver of premium after 90 days of disability due to cancer for as long as the disability lasts (Primary Insured only)
- Additional benefits may be added to the coverage, as chosen by the employer
Critical Illness
We can’t predict the future, but we can plan for it.
Critical Illness insurance from Allstate Benefits pays a lump-sum cash benefit when the insured or an eligible family member is diagnosed with a covered critical illness.
Wellness Benefit
Pays a yearly benefit when one of 19 screening exams is performed.
Key Features
- Coverage available for the insured or the entire family
- Benefits are paid directly to the insured unless assigned to someone else
- Premiums are affordable
Life
A death not only leaves behind loved ones, but may also leave significant financial obligations.
Life insurance from Allstate Benefits provides a lump-sum cash benefit upon death. Plus, life-event riders can be added to enhance the life coverage. Life insurance coverage is for the living; those left behind must deal with final expenses, bills, mortgage, and expenses associated with day-to-day life. It can also help provide financial security during life-changing events that occur as the insured ages and financial needs change.
Key Features
- Incremental death benefit amounts are available
- Coverage may be portable
- Premiums may be employee-paid and payroll deducted, or employer paid.
Supplemental Health
Has the medical insurance deductible been met yet? We can help provide a financial safety net.
Supplemental Health (Hospital Indemnity) insurance from Allstate Benefits can help provide a financial safety net, with cash benefits that help fill gaps left by major medical coverage associated with a hopital stay because of injury or illness. Benefits can be used for out-of-pocket expenses such as copays, deductibles and treatment.
Key Features
- Includes benefits for hospital confinement and hospital intensive care
- Coverage available for spouse and child(ren)
- Benefits paid regardless of any other coverage
- Benefits paid directly to the insured unless assigned elsewhere
Disability
A disability can be expensive, especially without the support of a regular paycheck.
Disability insurance from Allstate Benefits pays a cash benefit to help protect an eligible individual’s finances from a covered sickness or off-the-job injury. Insureds who experience a total disability, partial disability, even a disability from donating an organ can get the help they need to alleviate daily living expenses.
Key Features
- Affordable premiums
- Customized benefit levels that meet the needs of any income
- Coverage may be portable as long as premium payments continue
To Learn more about any of our benefits packages, or to get a personalized quote please contact us.
Disclaimer
*These policies have exclusions and limitations, may have reductions of benefits at specific ages, and may not be available for sale in all states. For costs and complete details contact your Allstate Benefits Representative.
*This coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.