Accident/Worksite Plans

Accident Insurance

Accidents happen. Help your employees be prepared for the unexpected with worksite accident coverage. You can still help provide your employees the security they need and deserve by adding accident insurance. Guaranteed renewable accident insurance provides lump-sum indemnity benefits for accidents. Employees can choose coverage for on- and off-the-job or off-the-job-only accidents. Employees have a choice of family coverage or stand-alone coverage for themselves, their spouse or dependent children. Features include the same benefits for employee, spouse and dependent children, worldwide coverage and portability. Benefits include:

  • Accident medical expense
  • Ambulance benefit
  • Hospital stays
  • Accidental death and dismemberment (AD&D) Optional benefits and riders include accident total disability, hospital intensive care, bone fracture and dislocation, as well as coverage for spouse and children.

Cancer Insurance

Cancer Insurance pays lump-sum benefits that can help employees pay out-of-pocket expenses resulting from cancer treatment. This cash payment may be used to help offset expenses incurred for treatment or to help pay for everyday living expenses.

  • Annually restorable benefits
  • Travel & wellness benefits
  • Payment in addition to other coverage
  • Family coverage

Just as importantly, this product also pays an annual cancer-screening tests/wellness benefit to encourage employees to have regular screenings, improving their chance of survival if they do develop cancer. And you can select from several levels and plan options to help meet the needs of a diverse employee base.

Critical Illness Insurance

Round out your employees’ benefits package with individual Critical Illness Insurance plans that complement major medical coverage by helping employees pay the direct and indirect costs associated with a specified critical illness. An annual health screening benefit is also available with this product.

In the event of a covered illness, such as a heart attack, stroke or coronary artery disease, a one-time, lump-sum payment allows benefits to be used for a wide variety of purposes and to help offset the loss of income.

  • Deductibles, copayments and scheduled benefit limitations
  • Treatments considered experimental
  • Transportation expenses to and from doctors and treatment facilities
  • Normal living expenses (mortgages, car payments, utility bills, childcare, groceries, credit card bills, etc.) Some plan designs encompass a wider array of benefits, including coma, occupational HIV and paralysis.

Critical Illness products offer the inherent advantages of individual products on a group platform. So you have the underwriting and pricing advantages of a group product combined with the benefits flexibility, published rates and limited portability of an individual product, all available at guaranteed issue as long as certain requirements are met.

Hospital and Supplemental Insurance

Hospital Indemnity Plans provide covered individuals with a cash benefit that can be used as the insured chooses, such as paying for deductibles, mortgage payments, rent or other bills. This is especially attractive to associations, financial institutions, employee and affinity groups who can help fill the gap caused by employer shifts to high deductible medical plans.

No matter how good your medical insurance is, when you’re hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation.

FFP Employee Benefits Preferred Partners:

  • Aflac
  • Colonial
  • Transamerica
  • Guardian