Supplemental Insurance

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Supplemental insurance is additional insurance that you can purchase to help you pay for services and out-of-pocket expenses; such as co-pays, deductibles and co-insurances that your regular medical insurance does not cover. It provides you with a cash benefit paid out over a period of time or given to you in one lump-sum. You can use the cash benefits to cover lost wages, transportation related to your health condition, or used to pay for food, medication, bills and other unexpected expenses you have due to an illness or injury.

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Types of Supplemental Insurance:

Short Term Disability

Disability often results in a loss of income. This policy will help supplement and pay for your living expenses. This policy will provide cash benefits every week or month for a period of time while you’re disabled. It’s usually about 60% of your gross income.


This policy provides cash benefits in case of injury out of accident. The company sends the cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It’s as simple as that insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury – not just for emergency treatment, hospital stays and medical exam; but for other expenses you may face, such as transportation and lodging needs.


Statistics on cancer is ever increasing nowadays. In the United States, men have slightly less than a one in two lifetime risk of developing cancer; for women, the risk is a little more than one in three (Cancer Facts and Figures 2012, American Cancer Society). This cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments. It can also help protect your income and savings from expenses that aren’t covered by your major medical coverage; including: out of pocket expenses, out of network specialists, experimental cancer treatment, travel and lodging when treatment is far from home, childcare and household help; and normal living expenses such as food, mortgage/rent, utility bills, car payments, cell phone bills etc.

Critical Illness

A serious health condition such as heart attack, end-stage renal failure or third-degree burns is not only a life-altering physical event; but a devastating financial one as well. Critical care & recovery insurance may make all the difference by providing cash benefits as you concentrate on your recovery. Here are some covered health events: stroke, paralysis, coronary artery bypass surgery, persistent vegetative state, major human organ transplant and coma.

Hospital Confinement Sickness Indemnity

Help ease the financial burden of hospital stays due to illness by providing you with cash benefits. While the primary benefits of the policy pay for hospital care, there’s also a physician visit feature for those times when you’re sick, have an accident, or just need a routine exam. Some of the policy benefits include: hospital confinement, major diagnostic exams, surgery, ambulance transportation etc.

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