Benefit summaries and reference materials are available here, including claim forms and answers to common questions. Our online Voluntary Benefits Guide includes a general overview of all benefits, plus information about how to enroll, file a claim, change your coverage, and more.

2026 Benefits Open Enrollment

Enrollment Period: October 29 – November 14, 2025

To speak with a Benefits Counselor, click the Red Schedule An Appointment button below.

Voluntary Benefits Guide

Rate Sheets

VB Highlights

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Group Hospital Indemnity

This plan provides financial assistance when you are confined to a hospital. It allows you to avoid dipping into savings, or having to borrow to cover out-of-pocket expenses that health insurance was never intended to cover, such as transportation, meals for family members, help with child care cost, and time away from work.

Group Accident Insurance

Accident insurance is designed to cover unexpected expenses that result from all kinds of accidents, even sports-related and household ones. It provides cash benefits to cover things your health insurance doesn’t, such as deductibles, copayments, transportation and lodging costs, everyday bills and more.

Benefits Information
Product Brochure
Claim Form
Wellness & Health Screening Claim Form
Master Policy
Provider Link

Legal Insurance

Affordable and reliable legal counsel for everyday life matters – like a dispute with a contractor, buying or selling a home, or the need for estate planning. The plan provides you with peace of mind knowing that attorney fees for most covered legal matters are 100 percent paid in full when you work with a Network Attorney.

Group Access Code 18107cfl

Pet Benefit Solutions

The Total Pet Plan provides everything pets need. This pet care bundle includes everyday savings on veterinary care and pet products, and access to other pet care services. Some perks for members include free shipping on all orders from petcarerx.com, same-day pickup on human grade prescriptoins at over 50,000 Caremark pharmacies, instant 25% discount on in-house medical services at particpating veterinarians and so much more. All pets are eligible and pre-existing conditions are also covered.

Group Critical Illness Advantage Insurance

Critical Illness Advantage Insurance is a way for employees to help themselves stay ahead of the medical and out-of-pocket expenses that can accompany certain medical events. For example, many lump-sum critical illness plans pay benefits when an individual experiences a covered event such as a heart attack, stroke, major human organ transplant, coma, paralysis, cancer (Internal or Invasive), and more.

Benefits Information
Product Brochure
Claim Form
Wellness & Health Screening Claim Form
Master Policy
Provider Link

Group Short-Term Disability Insurance

You count on your paycheck to provide the things you need today and to achieve the dreams you have for tomorrow. But, what would happen if it were suddenly taken away because of an unexpected covered injury or illness? Disability Income insurance replaces part of your paycheck when you are disabled and unable to work. It can help you meet financial obligations when you don’t have a paycheck coming in.

Cancer Guardian | Genomic Life

Genomic Life brings cost-effective, evidence-based cancer genomic navigation services to help prevent, diagnose, and treat cancer through Genomic Life, you will have access to proactive genetic tests that will unlock insights into your inherited risks for cancer and other diseases. And should you or your family member face a cancer diagnosis, the Genomic Life cancer services team will provide personalized support throughout the course of treatment.

Beyond Med Plan

What is Beyond Med?

Beyond Med is a wellness benefit that helps members save on elective health treatments- services that are often excluded or limited by traditional health plans. It not only fills coverage gaps but also extends access to popular treatments that support personal wellbeing.

What does Beyond Med offer?
With your Beyond Med membership, you will save an average of 20% on numerous treatments by our participating licensed providers! There are no limitations to the number of times you can use your membership discounts on services.