Additional Benefits

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

Injury	Benefit
Burn
2nd & 3rd degree	Schedule up to $6,000
Coma	$15,000
Concussion	$500
ER Dental work	$500/Crown $125/Extraction
Dislocation	Schedule up to $7,000
Eye injury	$500
Fracture	Schedule up to $10,000
Knee cartilage injury with surgical repair	$1,500
Ruptured disc with surgical repair	$1,000
Tendon/ligament/rotator cuff injury with surgical repair	1: $750 2 or more: $1,500
Once enrolled, you will receive a booklet with more details regarding each of these injuries.
AD&D
You	$25,000
Your Spouse	$12,500
Your Child(ren)	$6,500
Loss
Loss of life, or loss of both hands or both feet or one hand and one foot	100%
Loss of one hand or one foot	50%
Loss of thumb and index finger on the same hand	25%
Common carrier-if you die while a passenger on public or commercial transportation	200%
Seat belt/airbag - if you die in a car accident while wearing a seat belt or protected by an airbag	Seatbelts: $10,000 Seatbelts & Airbags: $15,000
Reasonable accommodation to home or vehicle	$2,500
Loss of use/paralysis-total loss of movement for 12 consecutive months or permanent paralysis
Quadriplegia	100%
Paraplegia, hemiplegia, or loss of use of both hands or both feet or on hand and one foot	50%
Loss of sight, speech and/or hearing-total loss for 12 consecutive months
Loss of speach and hearing in both ears, or loss of sight in both eyes	100%
Additional benefits
Wellness	You may receive a $50 benefit for each covered person who has an eligible health screening test performed, once per calendar year.
Portability	Included

	Per Pay Period Cost
Employee Only	$4.38
Employee + Spouse	$7.21
Employee + Child(ren)	$8.10
Family	$12.75

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

	Benefits
Employee
Benefit Amount	Increments of $5,000 up to maximum benefit
Maximum Benefit	$50,000
Guaranteed Issue	$30,000 Amounts over GI or requests for coverage after initial offer will require Evidence of Insurability
Spouse
Benefit Amount	Increments of $2,500
Maximum Benefit	$25,000 (cannot exceed 50% of employee benefit)
Guaranteed Issue	$15,000 Amounts over GI or requests for coverage after initial offer will require Evidence of Insurability
Child
Benefit Amount	25% of Employee Benefit Amount All Child amounts are guaranteed and included in Employee cost
Additional Benefits
Health Screening	You may receive a $50 benefit for each covered person who has an eligible health screening test performed, once per calendar year.
Portability	Included, if ported prior to age 70.

Covered illnesses	% of benefit for first occurrence	% of benefit for additional occurrences
Alzheimer's disease	Early Stage 50% Advanced Stage 100%	0%
Amyotrophic lateral sclerosis	100%	0%
Benign brain tumor	100%	0%
Carcinoma in situ	30%	25%
Coma	100%	0%
Coronary artery disease	50%	25%
Heart attack	100%	100%
Invasive cancer	100%	100%
Loss of hearing	100%	0%
Loss of sight	100%	0%
Loss of speech	100%	0%
Major organ failure	100%	100%
Multiple sclerosis	Early Stage 50% Advanced Stage 100%	0%
Contagious infectious disease	30%	0%
Paralysis	100%	0%
Parkinson's disease	Early Stage 50% Advanced Stage 100%	0%
Skin cancer	$250	$0
Stroke	Moderate 50% Severe 100%	Moderate 50% Severe 100%
Childhood conditions
Autism Spectrum Disorder	100%	0%
Cerebral palsy	100%	0%
Cleft lip / palate	100%	0%
Cystic fibrosis	100%	0%
Diabetes-Type 1	100%	0%
Down syndrome	100%	0%
Hemophilia	100%	0%
Muscular dystrophy	100%	0%
Spina bifida	100%	0%

Short-Term Disability insurance is “paycheck” protection that pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.

Estimated Weekly benefit & Bi-Weekly deduction amount
To determine your estimated weekly benefit amount, multiply your weekly earnings by your benefit percentage. See your benefit summary for the definition of earnings.
Weekly earnings: $____________________
If your weekly earnings are greater than $1,500 then use $2,500 as your earnings.
x Benefit percentage: 0.60
= Estimated weekly benefit amount: $______________________

To determine your estimated bi-weekly deduction, multiply your estimated weekly benefit amount by your rate.
Estimated weekly benefit amount: $____________________
x Rate: 0.018
x Employee Contribution Percent: 100%
= Employee’s estimated Bi-Weekly deduction: $__________________

Example
Age 40; weekly earnings: $1,000; rate is 0.018; Employee Contribution: 100%
Estimated weekly benefit amount : $1,000.00 x 0.60 = $600.00
Employee’s estimated bi-weekly deduction : $600.00 x 0.018 x 1.00 = $10.80

	Benefits
Benefit Amount	60% of weekly earnings
Weekly Benefit Maximum	$1,500
Waiting Period	14 days for illness or injury
Benefit Period	11 weeks
Pre-existing Condition Limitation	3 months prior 12 months insured

Provided By

Guardian

Provider Website

https://www.guardianlife.com/

Customer Service

888.482.7342