VOLUNTARY BENEFITS Even with medical insurance, you could s琀椀ll be subject to unexpected out-of-pocket expenses in the form of copays, deduc琀椀ble, and coinsurance. These Voluntary Bene昀椀ts provide lump sum payments to be used towards your health care expenses, or however you see 昀椀t. ACCIDENT INSURANCE Hover over the icons to the right to learn more about each of these bene昀椀ts. CRITICAL ILLNESS HOSPITAL INDEMNITY