Term life value-added benefits

Value-added benefits are included at no extra cost when you enroll in a term life plan; these benefits serve to meet your family’s needs now and in the future.

• Life Planning Financial and Legal Resources — An objective and personalized professional counseling service that includes one-on-one financial counseling, a written personal financial plan and access to Ceridian licensed counselors in the event of your death or the diagnosis of a terminal illness.
• assist america® — 24-hour network of emergency medical and legal resources offering worldwide emergency assistance to active employees and their families who are traveling.
• Accelerated death benefit — Allows terminally ill participants with a life expectancy of 12 months or less to receive up to 50% of the death benefit ($250,000 maximum) prior to death.
• Portability or conversion of coverage — You and your dependents can continue coverage if employment is terminated or you otherwise lose eligibility.
• Add children without underwriting — No underwriting is required to add a dependent child within 60 days of the child’s birth, adoption or placement for adoption.

CIGNA Dental value-added benefits

• CIGNA Healthy Rewards ® — Gain access to discounts on a wide range of health and wellness products and programs.  Benefits include Weight Watchers®; massage therapy; acupuncture; vision discounts on contacts, glasses and frames; fitness club memberships and much more! Available to enrolled participants and enrolled dependents only. Not all programs and benefits available in all states. For more information and to find participating providers in your area, call 1-800-870-3470 or visit CIGNA's website.
• Access to myCIGNA.com — This interactive website gives you ready access to account information, claims status, provider networks and other useful account maintenance tools. Dental health tips, glossary of dental terminology and dental health news and information are also available.
• CIGNA Dental PPO network — When you use dental care providers in the CIGNA Dental PPO network (Premier Dental Care and Choice Dental Care), services are provided at a discounted rate, so you may have lower out-of-pocket expenses. Log on to www.cigna.com and use the provider directory appropriate for your plan to locate a dentist in your area.

Disability value-added benefits 

With these value-added benefits included at no additional cost when you enroll in disability plans, you gain the help you need to deal with the challenges of today while preparing for the triumphs of tomorrow.

• Life Planning Financial and Legal Resources — Financial planning and advice for survivors of active employees who die or to terminally ill employees.
• Survivor benefits — If you die after receiving benefits for 180 or more consecutive days, your survivor receives a lump sum payment of three times your last month’s gross disability benefit.
• Rehabilitation and Return to Work Program — To encourage individuals to return to work as soon as they become physically able, individuals receive an additional benefit for participating in a rehabilitation program.
• Disability Plus® — An employee will receive an additional 20% benefit if UnumProvident determines he or she has lost the ability to perform two activities of everyday living or has a deterioration or loss of intellectual capacity and needs another person’s assistance or verbal cuing for protection.