UFCW Local 919 – Supplemental Benefits

Cancer Insurance

The Cancer Insurance policy provides benefits for Cancer and 32 specified diseases.

Your new Cancer plan provides:

• Increase in Stem Cell and Bone Marrow Transplantation from Maximum $7,000 to $15,000

• Increase in Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental Chemotherapy Self-Administered from $375/month to $1000/month and Physician Administered $1600/month to $2500/month

• Breast Reconstruction has no limit; this will pay expenses incurred

• Hospitalization Confinement up from $200/day to $300/ for first 30 days

• No maximums for Extended-Care Facility, Hospice Care and Nursing Services

Additional features of this plan include:

Adult Companion Lodging and Transportation
Donor Beneﬁt Bone Marrow and Stem Cell Transplant.
Hairpiece due to hair loss from treatment
Wellness Benefits

Accident Insurance

Accident Indemnity Plus Insurance provides direct reimbursement for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.

Your new Accident plan:

• Cover ICU admission of $500/year
• Double laceration benefits
• Rehabilitation Unit Admission of $250/year
• Accidental Ingestion of Controlled substance up to $500/year

Plus:

$50 Wellness benefit payment. Each covered person receives $50 for one wellness screening per year. 21 screenings are covered, including mammograms, colonoscopies, stress tests, plus more!
Youth Organized Sports Benefit.
- This benefit will help pay for the medical and dental costs typically incurred with youth sports injuries, or anything else you might need financial help with!
- If your dependent child (Age 18 or younger) is participating in an Organized Sports Event or scheduled practice and is injured, you’ll receive benefit amounts as stated in the product brochure below.
- The plan will pay an additional 25% of the total benefit paid for the covered accident, not to exceed $1,500.

Adult soccer player — Even minor accidents can put you out of work! Be prepared with an Accident Insurance plan!

Accident Insurance provides 24 Hour Coverage for accidents on and off-the-job.
Plans are Guaranteed Issue, meaning there are no medical questions to answer to enroll in coverage.
Benefits are paid directly to you and can be used for whatever you want.

Short Term Disability Insurance

Disability Income Plus is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness that occurs off the job.

Did you know that Workers Comp only covers you for ON the job injuries?

90% of injuries happen OFF the job…so be prepared with a Disability Insurance Plan!

Your new Short Term Disability Plan:

Only requires 3 month waiting period for a pre-existing condition, down from 12 months
Start waiver of premium at 30 days, down from 90 days
Provide a living organ donor benefit
Provides 24 Hour Coverage for accidents off-the-job.
Pays in coordination with any existing disability coverage you may have.
Benefits are paid directly to you, and the money you receive can be used for whatever you want.
Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.

Whole Life Insurance

Over half (54%) of U.S. households rely on 2 incomes; losing one can be devastating.

Life Insurance can help your family continue the goals and dreams you shared together.

Facts about Whole Life Insurance:

• Guaranteed Issue up to $200,000 for member

• Guaranteed Issue for spouses up to $75,000

• Dependent child term life insurance included

• Cash value that you can access while you're living for mortgage, education, retirement, and more.

Accelerated death benefits—up to 75% following a covered critical illness diagnosis.
Portability—lifelong coverage if premiums are paid.
Rates never increase; younger applicants pay less.

Family image — **A 35-year-old can get a $100,000 policy for ~ $25/week—real peace of mind for your family.**

Get the peace of mind that Whole Life Insurance brings.

Hospital Indemnity Insurance

Hospital Indemnity pays you directly, in addition to your primary insurance.

Coverage reimburses hospitalization expenses (up to policy maximum) for you, spouse, and children.

Highlights:

$1000 First Day Hospital Confinement
$200 per day Hospital Confinement
$200 per day Hospital Intensive Care
Include covered admission to a hospital for mental and/or nervous disorder treatment
Include admission to a hospital for Drug or Alcohol Treatment
Allow up to 90 days (previously 30) for ICU daily benefit

Hospital Indemnity brochure — Open brochure

Exclusive Pregnancy Benefits

Hospital Indemnity through The Forza Insurance Group adds pregnancy benefits to help cover hospital costs—most major medical plans only pay a portion.

Helps when extra hospital time is needed—reduces financial stress at a critical time.
Covers those already pregnant (many plans exclude pre-existing pregnancy).
Coverage for up to 30 days of hospitalization due to normal pregnancy or complications.

Critical Illness Insurance

Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness or an occurrence of a different critical illness, up to the maximum payment.

Benefit payments can be used for whatever you want, such as out-of-pocket medical care costs, home healthcare, travel to and from treatment facilities, rehabilitation, and other expenses.

$100 Wellness benefit payment. Each covered person will get paid $100 for one wellness screening per year. 21 screenings are covered, including mammograms, colonoscopies, dental screenings and stress tests.
Pays in coordination with any other insurance you may have.
Low cost affordable rates!
Direct payment to you.

Critical Illness brochure — Open brochure

Term Life Insurance

If someone depends financially on you, you need life insurance, whether you are married, single, a single parent, a small business owner, or retired. With Term life insurance from Manhattan Life, you can spare your grieving loved ones the added stress of economic difficulties, preserving their quality of life even after your death.

Term Life provides protection for a defined period of time, during which premiums stay the same, and pays a death benefit to beneficiaries if the covered member dies.

1. Lower rates. You have the advantage of lower rates available through your union and paid through payroll deductions combined with guaranteed issue. Coverage for your spouse and children is available if you’re the primary insured.

2. Accelerated Living Benefit: Value while you’re alive. You can request an acceleration payment of up to 50 percent of the death benefit if diagnosed with a terminal illness.

3. Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.

Term Life brochure — Open brochure to learn more.

How to Enroll

At your workplace

Enrollers are visiting your workplace soon! Watch for details or call 844-808-8009 to find out when.

By phone

Get helpful, expert, advice from the Local 371 Supplemental Benefit Call Center.

CALL 844-808-8009

Make an Appointment

Schedule an appointment that works for you with a Forza Benefit Advisor.

MAKE MY APPOINTMENT

Forza Benefit Advisors will explain which plans are right for you, and there is NEVER any pressure to enroll.

Supplemental benefits pay you directly—and you can use the money for whatever you want.

It’s your money!
Use it however you want!

Benefit payments can be used for whatever you want, such as
• out-of-pocket medical care costs
• home healthcare
• home expenses
• babysitting costs
• hotel expenses related to incident
• travel to and from treatment facilities
• rehabilitation

… the list is almost unlimited!

4 facts about supplemental insurance benefits that make them easy to use!

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Rates are locked in

Rates don’t increase—file as many claims as necessary.

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Portable & flexible

Keep your policy if you leave your workplace.

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Direct payment

Benefits are paid directly to you.

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Guaranteed Acceptance

Open Enrollment plans administered by Forza are Guaranteed Issue.

Having a Supplemental Benefit plan can make a huge difference if you ever experience loss of income due to illness or injury.
Call us at 844-808-8009 with any questions. We’re here to help!

The Forza Insurance Group has provided supplemental benefits to the UFCW for over 15 years.

forzainsurancegroup.com