No one saves to get sick, which is why being diagnosed with a covered condition can be especially draining, both emotionally and financially. This policy provides you with a lump sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as a heart attack, stroke, or cancer. Every year that you and a covered dependent complete a qualified health screening, you are eligible for a $50 Wellness Benefit. Coverage for children ends when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent.

Newly-hired employees have the opportunity to elect up to $30,000 of coverage without answering any health questions!

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Short Term Disability Insurance offers full-time employees up to 25 weeks of coverage if you become totally disabled due to an injury or illness. The plan can help fill this gap until you are able to return to work by paying you a weekly benefit. The policy pays a benefit of 60% of your salary up to a maximum benefit of $5,000 monthly. Newly hired employees have the opportunity to elect coverage without answering medical questions!

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Having an unexpected accident can cause more than physical injury—it can hurt your bank account, too. Accident Insurance can help cover the out-of-pocket costs associated with off-the-job accidents by paying you a benefit depending on the injuries you suffer and the treatment you receive. Coverage for children ends when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent.

• Family coverage available.
• Plan pays a benefit directly to you and does not coordinate with other coverage, so you can still receive benefits on top of what your medical plan provides.
• Coverage applies towards events such as concussions, dislocations, fractures, physical therapy, and x-rays.

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FSAs allow you to pay for eligible health care and dependent care expenses using pre-tax dollars, which lowers your taxable income. Unused funds in your account cannot carry forward, so plan carefully.

Flex Spending Account
A Flex Spending Account helps you pay for medical, dental, and vision expenses not covered by insurance. You can use this account to pay for things like deductible and copayments, orthodontia, glasses, and contact lenses.

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Dependent Care
A Dependent Care Account can help fund the care of children under the age of 13 or a disabled spouse or parent while you work. You can use the account to pay for things like payments to a licensed daycare provider, nursery school, before and after school care, summer day camp programs, and elder care.

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Kashable offers socially responsible financing for employees as a voluntary benefit. You will have access to low-cost loans via online application with quick decision and funds deposited directly to your bank account within 3 business days from approval. Kashable loans can help cover financial stressors such as car repair, out-of-pocket medical bills, and high-interest debt while improving an employee’s credit score. Kashable is offered as a voluntary benefit to all full-time benefit eligible employees with 12 months of consecutive/ continuous employment.

• Loan amount eligibility based on income and employment history rather than credit score. 
• 6% starting APR to eligible employees.
• Timely reporting to credit bureaus. 
• Funds deposited into employee’s bank account. 
• Automatic repayment through payroll deduction with no additional action needed on the part of the employee.

Nationwide Pet Insurance provides coverage for a wide range of veterinary services, such as wellness visits, vaccinations, surgical procedures, medical care following accidents and illnesses, and more. With Pet Insurance, you can elect coverage for your dog(s), cat(s), bird(s) and/or exotic pet(s).

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Universal Life Insurance with Long Term Care through Allstate provides a lump-sum cash benefit to help pay final expenses, bills, and more. Take charge of creating the future you imagine by getting coverage that’s guaranteed to stay with you. Wherever you go or however your view changes along the way, you have permanent insurance protection for the important things in life – your family, your home, and your finances.

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Voluntary Long Term Disability (LTD) coverage provides income when you have been disabled for 90 days or more. All eligible employees will receive a 50% benefit at no additional cost to them (this benefit is paid by Jackson Hospital). Employees may purchase an additional 10% benefit (60% benefit max) at a discounted rate. This amount may be reduced by other deductible sources of income or disability earnings. There is a 6-month waiting period.

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Hospital Indemnity Insurance is designed to help provide financial protection for covered individuals by paying a benefit due to hospitalization as a result of a covered illness, in addition to any other medical coverage you may have. This benefit is paid directly to you and you can use it however you see fit, whether it’s to meet out-of-pocket expenses or to pay extra expenses that aren’t a result of hospitalization. This policy is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam.

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The Employee Assistance Program (EAP) through ACI provides professional and confidential services to help you and your family members address a variety of personal, family, life, and work-related issues. To support you through the stress of everyday life, EAP benefits include unlimited telephonic sessions of professional assessment, child care and elder care referrals, multilingual services, and resources for legal and financial services, pet care, education, personal services, and more.

These benefits are free of charge, 100% confidential, available to all family members regardless of location, and easily accessible 24/7 at 855-775-4357 or rsli.acieap.com. To log in for the first time, click “Log in to myACIonline.” Click “Get Started” (the company code, RSLI859, should already be filled in). Complete your profile and sign in to access benefits immediately.

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Legal coverage from LegalShield can offer you the support you need if you or your family members are in need of legal services. Covered services include:

• Personal legal advice on unlimited issues
• Letters/calls made on your behalf 
• Contract and document review 
• Preparation of wills and living wills
• Moving traffic violations 
• IRS audit assistance 
• Trial defense (if named defendant/respondent in a covered civil action suit)
• Uncontested divorce, separation, adoption and/or name change representation
• 25% preferred member discount n 24/7 emergency access for covered situations

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Identity Theft Protection through IDShield offers you peace of mind that your personal information is secure from all forms of identity theft. IDShield Plans are available to cover you, your spouse, and up to eight dependents. This coverage includes:

• Privacy and security monitoring of your name, SSN, date of birth, email addresses, phone numbers, driver license, and passport numbers, bank account, and credit cards, as well as financial activity alerts and quarterly credit score tracking to keep you secure from every angle.
• Consultation through 24/7/365 live support for covered emergencies, unlimited counseling, identity alerts, data breach notifications and lost wallet protection.
• Full-service restoration and a $5 million service guarantee to ensure that if your identity is stolen, it will be restored to its pre-theft status.

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