Your Voluntary Benefits

We want to make sure you’re getting the most out of your benefits. Please see below to learn more about your voluntary benefit plans and the opportunities that come with each policy. New Voluntary Benefit Carrier!

What is LifeTime Benefit Term Insurance? ▼

Administered by Fidelity Life

LifeTime Benefit Term (LBT) is a unique life insurance protection product that also provides your employees a low-cost way to cover the potential costs of long- term care in their senior years. Best of all, it comes with guarantees!

In addition to providing a life insurance death benefit, LifeTime Benefit Term gives them the option to receive an accelerated payment of their insurance coverage to cover the costs associated with nursing homes, assisted living and even in-home care — up to the full amount of their death benefit!

How it Works

An Example of How LifeTime Benefit Term with LTC Works If an employee needs to utilize the Accelerated Death Benefit for Long Term Care Rider, below is how the Long Term Care payments will work. LTC Benefits include home health care, assisted living or adult day care.

With Extension of Benefits, the monthly long term care benefit can last for an additional 50 months, after 100% of the base death has been used for LTC. Insurance premiums are waived during the time this benefit is being paid.

Included Riders

Accelerated Death Benefit for Long Term Care (LTC) Rider: If an employee is unable to perform two of six Activities of Daily Living and require nursing home, home health care, assisted living, or adult day care services or they have a Severe Cognitive Impairment that requires Substantial Supervision to protect them from threat of health or safety, they will receive 4% of their death benefit per month while they are living for up to 25 months to help pay for LTC. Insurance premiums are waived while this benefit is being paid. Long Term Care Rider premiums are not guaranteed and may be increased in accordance with the terms of the policy
Terminal Illness Benefit: Employees can receive 50% of their death benefit immediately, up to $100,000, if they are diagnosed as terminally ill, with the remaining being paid to their beneficiary.

Optional Benefit Riders

Child Term Benefit: Issued to children age 15 days through 25 years. Death Benefits available up to $30,000. Guaranteed conversion to individual coverage at age 26—up to 5 times the benefit amount.

How to File a Claim ▼

Download the following forms below:

Claim Form – Life Insurance Plan: Click here
Request for Payment of Accelerated Benefit: Click here
Claimant's Statement of Disability: Click here
Acceleration for LTC: Click here

What is Accident Insurance? ▼

Administered by Equitable

With accident insurance, you can manage the costs and stress of falls, sports injuries or other unexpected accidents.

What it does

Pays a cash benefit directly to you if you or your dependents are injured as part of a covered accident, regardless of whether it’s covered by your medical insurance.

How it works
In the event of a covered accident, submit a claim to receive prompt payment. Payment is made directly to you, so you can use it as you see fit.

Learn More

How to File a Claim ▼

Click here to download your Equitable Accident claims form.

Please email, fax or mail the completed application to:

Group Claims Department
P.O. Box 9757
Portland, ME 04104
Email: EquitableClaims@yourbenefitexpert.com
Fax Number: (866) 376-9480

Questions?
Once the claim has been filed you can call Equitable Claims at (866) 274-9887

What is Critical Illness Insurance? ▼

Administered by Equitable

With critical illness insurance, you’ll receive a lump-sum cash payment if you or an eligible family member are diagnosed with a covered illness.

What it does

Provides a lump-sum payment if you are diagnosed with one of the covered serious illnesses.

How it works
After you receive a diagnosis for a covered condition and submit your claim to us, you’ll receive your payment. There’s no waiting period and payments are made directly to you, so you can use them as you see fit.

Learn More

How to File a Claim ▼

Click here to download your Equitable Accident claims form.

Please email, fax or mail the completed application to:

Group Claims Department
P.O. Box 9757
Portland, ME 04104
Email: EquitableClaims@yourbenefitexpert.com
Fax Number: (866) 376-9480

Questions?
Once the claim has been filed you can call Equitable Claims at (866) 274-9887

What is Hospital Indemnity Insurance? ▼

Administered by Equitable

Hospital indemnity insurance can help you financially prepare for planned or unexpected hospital expenses, which can be costly.

What it does

Pays a cash benefit directly to you if you or your covered dependents are admitted to the hospital, regardless of whether it’s covered by your medical insurance.

How it works

In the event of a hospital admission for a covered sickness or injury, submit a claim to receive prompt payment. Payment is made directly to you, so you can use it as you see fit.

Learn More

How to File a Claim ▼

Click here to download your Equitable Accident claims form.

Please email, fax or mail the completed application to:

Group Claims Department
P.O. Box 9757
Portland, ME 04104
Email: EquitableClaims@yourbenefitexpert.com
Fax Number: (866) 376-9480

Questions?
Once the claim has been filed you can call Equitable Claims at (866) 274-9887