VOLUNTARY SHORT-TERM DISABILITY (STD)

Hamline offers Voluntary Short-Term Disability insurance through Unum to all benefit eligible employees who work at least 20 hours per week.

Many people live paycheck to paycheck. In the event of a covered injury or illness occurring, Short-Term Disability insurance replaces part of your income if the ailment causes you to temporarily be away from work. As long as you remain disabled, you may receive payments for up to three months depending on the plan you choose.

Benefit Highlights

• Can replace up to 60% of an employee’s regular monthly income
• Money is payable directly to employees to use however they choose
• Maximum monthly benefit: $5,000
• Maximum benefit period: three months
• Pre-existing condition limitation: 12/12
• Benefit does not offset with other disability benefits the employee receives
• Premium waiver
• Employee-paid benefit

CRITICAL ILLNESS INSURANCE

Critical illness, including cancer, impacts so many lives. Critical illness pays a lump-sum cash benefit that can help with expenses if you or a covered family member is diagnosed with a covered condition. This plan also includes an annual Wellness Benefit of $50. Refer to the flyer below for additional details on how you can be reimbursed for may routinely performed tests.

Covered Conditions

• Receive 100% of the benefit amount for: Cancer, Heart Attack, Blindness, Major Organ Failure, End-stage Kidney Failure, Benign Brain Tumor, Stroke (who’s effects are confirmed at least 30 days after the event), and Permanent Paralysis (at least two limbs due to covered accident).
• Receive 25% of the initial benefit amount: Coronary Artery Bypass Surgery, and Carcinoma in Situ (defined as cancer that involves only cells in the tissue in which it began and has not spread to nearby tissues).

Coverage Options:

• Employee Coverage - $5,000 to $50,000 in $5,000 increments (Guaranteed issue - $10,000)
• Spouse Coverage - Up to $30,000 in $5,000 increments as long as the employee has purchased coverage for themselves. (Guaranteed issue - $5,000)
• Child Coverage - Child(ren) automatically covered at 50% of employee coverage amount at no additional cost

Plan Features:

• Portability included
• 12/12 pre-existing condition limitation
• Benefits reduce to 50% of coverage amount at age 70

HOSPITAL INDEMNITY INSURANCE

Can help ease the financial impact of a hospital stay. Typically, a lump sum amount is paid directly to you for admission and a daily amount is paid for each day of a hospital stay.

Benefit Highlights:

• Covers hospital stays due to accidents, sicknesses, or childbirth
• Money is payable directly to employees to use however they choose
• No geographical limits on covered injuries and treatments
• HSA-compatible

Benefit Coverages:

• Hospital admission - $1,000 per insured, paid once a year
• Daily hospital confinement - $100 per day to a maximum of 65 days per year

Plan Features:

• Family coverage option available
• Guaranteed issue coverage – no medical questions!
• 12/12 pre-existing condition limitation