Everyone has a need for some form of insurance coverage and now your employer is making these options available to you. The package is completely voluntary and may be purchased in any com-bination. The benefits are paid directly to you. This gives you the freedom to use any doctor or hospital and the benefits are paid in addition to any other coverage you may have.

Hospital Indemnity Insurance (Supplemental Health Options Plan)

Solve the dilemma of protecting yourself and your family against the rising cost of hospitalization, coinsurance & deductible responsibility, while keeping; out-of-pocket expenses afford-able. Provides 1st day coverage for both accident and sickness. Benefits are paid for maternity the same as any other illness after the policy has been in force for at least 10 full months.

Daily Hospital Confinement. Benefit Hospital Intensive Care Unit Benefit Wavier of Premium
Ambulatory Surgical Benefit Initial Hospitalization Benefit Surgery
Anesthesia
Outpatient Emergency Accident Benefit Inpatient: Physician's Benefit Outpatient Physician's Benefit
Ambulance Benefit
At Home Nursing Benefit
Specified Disease Disability Income
Accident Disability Income

Disability - A possibility
you need to consider

By the time we're 30 or so, most of us have met someone who has had to stop working due to an illness or an injury.

Maybe an acquaitance has had a heart problem.....been in a car accident ..... suffered from cancer.....or even sustained a back injury from skiing or working out too enthusiastically.

Jet many people still belive it can`t happen to them. In fact according to a recent study, most people estimate they have only a 16% chance of becoming disabled during their working years (Gallup survey, conducted for UNUM Corporation (508 respondents, aged 30 to 65 ) reported by Best`s Review)
-in spite of the following startling facts: ("Why Disability" bookler, published by National Underwriter)

If you`re under age 35, chances are one in three that you will be disabled for al least six month during the coursw of your career.

Men have a 43% chance ob becomming seriously disabled during their working years.

Woman have 54% chance.

At age 42. it is four times more likly that you will become seriously disabled than that you will die during your working years.

The truth is there`s no way predict who will become disabled during their 40 or so working years. And no matter how careful you may be, there`s no foolproof way to prevent it.

Can you imagine getting along without you income?

Although it may be hard to face the likelihood of becoming disabled. the consequences are a lot easier to picture.

Without an income, most people`s saving rapidly depleted as they struggle to maintain the household and pay thei various expenses.

Many begin to suffer real financial need - often with no end in sight as the disability lingers on

Disability Insurance

Protect one of your most valuable assets-your ability to earn an income. I.` you ever get hurt or become ill, living without a paycheck could quickly deplete your savings. Supplemental disability income can help to ease the burden when paychecks stop.

Affordable rates. age banded at issue: 18-49, 50-59: 6069. Choose monthly benefit from $400 to $3000- up to 60% of income. Optional on-the job disability and accidental death and dismemberment riders are available.

Accident Insurance

Pays benefits for on and off the job accidental injuries. Accident insurance pays benefits that can help you: take care of your monthly bills, pay for the extra costs of an injury, preserve your savings or get by until disability benefits start.

Accidental Death & Dismemberment Hospital Confinement
Ambulance Accidental Disability Dislocation or Fracture Medical Expenses Sickness Disability (issue up to age 50)

Critical Illness Insurance

Pays a lump sum benefit when you're diagnosed with a critical illness. With the advancements in medical technology & treatment, people are living longer and deadly diseases are now being controllej and cured. Critical illness insurance can make a difference in your standard of living during; and following an illness.


Lance Ganis - The Guardian Life Insurance Compant of America