VOLUNTARY BENEFITS ACCIDENT View Additional Information Here 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. Click the icons to the right to learn more about each of these benefits. CRITICAL ILLNESS View Additional Information Here HOSPITAL INDEMINITY View Additional Information Here