Voluntary Benefits

Inspira Health offers great voluntary benefits to help you protect your finances. Consider enrolling in voluntary benefits to complement your medical coverage.

Protecting your financial future is just as important as taking care of your health. Inspira Health provides you with access to a wide range of voluntary benefits to help protect your future and the future of your family. Mix and match plans to get the coverage right for you!

Permanent Life Insurance

Permanent Life Insurance is an individual life insurance policy that can also build cash value you can utilize while you are still living. At an affordable premium, you can have the added financial protection you and your family may need during times of uncertainty.

Plan Features

  • You can purchase coverage for yourself, your spouse, and your children.
  • No physical exams are required to apply for coverage up to a certain amount during an enrollment period.
  • As the policy builds cash value, you can eventually use it to make premium payments or to pay urgent expenses while you are still living.
  • You can take your policy with you if you leave the company or retire.
  • Permanent Life Insurance never expires. You keep the policy as long as you make the payments, which means the premiums will not go up. (Initial cost varies based on age, coverage level and tobacco use.)
  • Coverage amount from $10,000 - $100,000 for eligible employees, $10,000 - $30,000 for spouse, and $10,000 for child.*

* Eligible employees must elect for spouse/child coverage to be offered. Minimum weekly cost is $4.

Short-Term Disability

Short Term Disability pays a portion of your salary if an illness or injury keeps you out of work. This source of income may help you maintain your household and living expenses until you get back to work.

All employees can enroll in Voluntary Short-Term Disability Insurance. For New Jersey residents, you may elect a benefit amount of up to 40% of your annual income. For residents of Pennsylvania and Delaware, you may elect benefit amounts up to 60% of your annual income. Benefits become payable after seven consecutive days of illness or off-the-job injury and continue for a maximum duration of 26 weeks. You become eligible to enroll in this benefit on your date of hire.

Critical Illness Insurance

Out-of-pocket costs of a serious illness can be catastrophic, even if you have medical insurance. Critical Illness Insurance pays a lump sum benefit directly to you if you are diagnosed with a covered condition. You use this money however you choose—deductibles and coinsurance, expenses your family incurs to be by your side, or simply to replace your lost earnings from being out of work.

You choose the benefit amount when you enroll—from $10,000 up to $50,000 (in $5,000 increments). The premium you pay is based on the benefit amount you choose and whether or not you use tobacco.

Covered Illnesses Include:

  • Heart Attack
  • Stroke
  • Major Organ Transplant
  • End Stage Renal (Kidney) Failure
  • Cancer
  • Carcinoma in Situ*
  • Coronary Artery Bypass Surgery*

*The coverage pays 25% of the face amount of the policy once per lifetime for coronary artery bypass surgery and carcinoma in situ.

Plan Features

  • You do not have to be terminally ill to receive benefits.
  • Coverage options are available for your spouse and children as riders to your coverage. If you choose to add spouse and/or children coverage to your Critical Illness plan, they will receive 50% of the benefit amount shown for you, the employee, if they were to suffer a critical illness.
  • A Wellness Benefit is included, which pays a benefit once per calendar year to the insured individual if a covered health screening test is performed (blood tests, stress tests, colonoscopies, chest X-rays, mammograms, etc.).**
  • Coverage is portable—you can take your policy with you if you change jobs or retire.

**Wellness Benefit may not be available in all states. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable.

Accident Insurance

Accidents happen. You can’t always prevent them, but you can take steps to reduce the financial impact, which is often substantial. Voluntary Accident Insurance can help cover the out-of-pocket medical expenses and extra bills that can follow an accident.

The total benefit you receive is based on the type of injury, its severity, and the medical services you received in treatment and recovery.

The plan pays benefits for a variety of injuries and accident-related expenses, including:

  • Hospitalization
  • Emergency room treatment
  • Fractures
  • Physical therapy
  • Transportation
  • Dislocations

Plan Features

  • Benefits are paid for accidents that occur on and off the job.
  • You can also elect to cover your spouse and children.
  • There are no health questions or physical exams required.
  • Coverage is individually owned, which means you can take your policy with you if you change jobs or retire.

Hospital Indemnity

Hospital Indemnity Insurance pays a benefit, in addition to the coverage from your medical plan, when you are hospitalized or need in-hospital surgery or intensive care as the result of an accident or sickness.

Benefits are paid directly to you, and you can use the money however you choose to help pay medical bills or cover everyday living expenses. The plan includes a $1,000 admission benefit, which is paid directly to you.

Legal Insurance

Legal Insurance provides you with telephone and office consultations for an unlimited number of personal legal matters with a network attorney of your choice. During the consultation, the attorney will review the law, discuss your rights and responsibilities, explore your options, and recommend a course of action. Legal services are generally paid in full if you select a network provider, but some plan benefits are available for out-of-network providers.

Covered Services Include:

  • Document review
  • Name changes
  • Estate administration
  • Document preparation
  • Lawyer office work
  • Adoptions
  • Administrative hearings
  • Real estate transfers
  • Debt collection defense

Identity Theft Protection

NortonLifeLock is a monitoring solution that protects you from the hassles of identity theft. By proactively seeking out fraud at the source, when thieves first use personal information, InfoArmor is able to detect fraud sooner, to reduce damages.

We start by employing patented technology used by top financial institutions and banks to monitor applications for misuse of participants' information. The NortonLifeLock solution also includes monitoring High Risk Transactions, such as unauthorized account access, fund transfers, and password resets to detect fraud sooner.

If NortonLifeLock detects fraud or unusual activity indicative of fraud, you will be the first to know. Rest assured, when there is a situation that needs attention, a Privacy Advocate will help do the work to resolve it, start to finish, all on your behalf.