Voluntary Benefits
Enhance your coverage with additional protection for unexpected events
Why Consider Voluntary Benefits?
While your medical, dental, and vision coverage protect you from routine and major healthcare costs, voluntary benefits provide cash payments directly to you when unexpected events occur. These payments can help cover expenses like:
Deductibles & Copays
Cover your out-of-pocket medical costs
Lost Wages
Replace income when you can't work
Travel Expenses
Pay for travel to medical appointments
Daily Living Costs
Cover bills, groceries, and household needs
Accident Insurance
Cash benefits for injuries from covered accidents
What's Covered:
- Emergency room treatment
- Hospital admission and confinement
- Fractures, dislocations, and burns
- Surgery and anesthesia
- Ambulance services
- Physical therapy and rehabilitation
Key Features:
Cash Benefits
Payments go directly to you, not the provider
24/7 Coverage
Protected on and off the job
Family Coverage
Cover yourself, spouse, and children
Example Scenario:
You break your arm playing sports. Accident insurance could pay you $2,000+ for the fracture, ER visit, X-rays, and follow-up care - helping cover your medical deductible and lost wages.
Semi-Monthly Premium Rates
| Coverage Tier | Semi-Monthly Premium |
|---|---|
| Team Member | $4.65 |
| Team Member & Spouse | $7.20 |
| Team Member & Dependent Child(ren) | $10.26 |
| Team Member, Spouse, & Dependent Child(ren) | $12.88 |
Rates are deducted from your paycheck twice per month
Critical Illness Insurance
Lump-sum payment if diagnosed with a covered critical illness
Major Covered Conditions (100% Benefit):
- Heart Attack (Myocardial Infarction)
- Stroke
- Cancer
- End Stage Renal (Kidney) Failure
- Major Organ Failure Requiring Transplant
- Coma
- Loss of Hearing, Sight, or Speech
- Permanent Paralysis
- Benign Brain Tumor
- Sudden Cardiac Arrest
Additional Coverage: Coronary Artery Disease (25% benefit), plus special coverage for dependent children including Cerebral Palsy, Cleft Lip/Palate, Cystic Fibrosis, Down Syndrome, and Spina Bifida.
Coverage Options:
Guaranteed Issue Benefit Amount
$10,000 - $35,000
Enroll during open enrollment with no health questions
Use It How You Need
Pay bills, mortgage, travel for treatment, or anything else
Health Screening Benefit
Annual payment for preventive screenings
Why It Matters:
A critical illness diagnosis can be financially devastating. This coverage provides a lump-sum payment to help with expenses your medical plan doesn't cover, like experimental treatments, childcare, or simply taking time off work to recover.
Calculate Your Semi-Monthly Premium
For $10,000 of Critical Illness coverage
Need different coverage amounts? Login to Employee Navigator to see pricing for other benefit amounts ($15,000, $20,000, $25,000, $30,000, or $35,000). Rates vary by age and coverage amount.
Hospital Indemnity Insurance
Daily cash benefits for hospital stays and surgeries
What's Covered:
- Hospital admission benefit
- Daily hospital confinement benefit
- ICU confinement benefit (higher amount)
- Inpatient surgery benefit
- Outpatient surgery benefit
- Ambulance benefit
Benefit Example:
3-Day Hospital Stay
• Initial Admission: $1,000
• Daily Benefit ($100/day × 3 days): $300
• Surgery: $500
Total Benefit: $1,800
No Network Restrictions
Use any hospital, anywhere
How You Can Use It:
Hospital Indemnity pays you cash for each day you're hospitalized. Use it to offset your deductible, cover household expenses while you're away, pay for parking and meals for visitors, or anything else you need during recovery.
Semi-Monthly Premium Rates
| Coverage Tier | Semi-Monthly Premium |
|---|---|
| Team Member Only | $5.20 |
| Team Member + Spouse | $10.90 |
| Team Member + Children | $8.85 |
| Team Member + Family | $14.55 |
Rates are deducted from your paycheck twice per month
Health Screening Benefit
Get rewarded for staying healthy with preventive care screenings
What You'll Receive:
Annual Wellness Payment
Receive a cash payment each year for completing eligible preventive health screenings covered by your medical plan.
Available with All Plans
This benefit is included with Accident, Critical Illness, and Hospital Indemnity coverage.
Eligible Screenings:
- Annual physical exams
- Blood pressure screenings
- Cholesterol tests
- Cancer screenings (mammogram, colonoscopy, etc.)
- And many other preventive tests
File Your Wellness Claim
Submit Wellness ClaimWhy Take Advantage:
Preventive care is key to catching health issues early. With the Health Screening Benefit, you get rewarded for taking care of yourself! Simply complete your annual wellness visit or screening, then submit your claim form online to receive your benefit payment.
Affordable Coverage
Voluntary benefits are 100% team member-paid through convenient payroll deductions. Rates are based on:
Your Age
Younger = lower rates
Coverage Amount
Choose what fits your budget
Coverage Tier
Individual or family options
Contact FBP Advocacy for personalized rate quotes and enrollment assistance
Add Extra Protection
Enroll in voluntary benefits for peace of mind