VOLUNTARY BENEFITS Even with medical insurance, you could still be subject to unexpected out-of-pocket expenses in the form of copays, deductible, and coinsurance. These Voluntary Benefits provide lump sum payments to be used towards your health care expenses, or however you see fit. ACCIDENT INSURANCE With accident insurance, you can manage the costs of falls, sports injuries and other accidents. Accident insurance covers many types of accidents and pays a cash benefit, directly to you, if you or your dependents are injured as part of a covered accident. Click the icon to learn more about this benefit. CRITICAL ILLNESS If you’ve been diagnosed with a critical illness, worrying about your finances during recovery can be overwhelming. This coverage can help alleviate the financial burden that an unexpected illness can bring. Click the icon to learn more about this benefit. HOSPITAL INDEMNITY Even with medical insurance, you could still be subject to out-of- pocket expenses like those from an unexpected hospitalization. Hospital indemnity insurance can help protect you from expenses due to a hospital stay including deductibles and other copays. Click the icon to learn more about this benefit.