Voluntary Benefits
Centric offers you voluntary coverage to support you and your family’s needs. See below for information on these insurance lines: Accident, Critical Illness, Hospital Indemnity, Auto & Home and Pet.
Accident Insurance
Accident Insurance can provide financial protection when you face unplanned medical bills that result from an accidental injury. This benefit pays regardless of what your medical plan may or may not cover. It’s coverage that provides a financial cushion for life’s unexpected events by providing you with a lump-sum payment for a covered event when your family may need it most. The payment you receive is yours to spend however you like.
| Biweekly Rates | |
|---|---|
| Employee | $4.27 |
| Employee + Spouse | $8.56 |
| Employee + Child(ren) | $10.15 | Family | $12.28 |
Critical Illness Insurance
Critical Illness Insurance offers financial support when you or a loved one becomes seriously ill. It works to supplement your medical coverage and pays in addition to what your medical plan may or may not cover. Upon verified diagnosis, it provides you with a lump-sum payment of $10,000, $20,000 or $30,000 in initial benefits. The payment you receive is yours to spend however you like.
This benefit provides an extra $50 annual benefit per calendar year when you see your physician for eligible health screenings or prevention measures.
| Biweekly Critical Illness Premiums | Employee Biweekly Cost | Employee + Spouse Biweekly Cost | Employee + Child(ren) Biweekly Cost | Family Biweekly Cost |
|---|---|---|---|---|
| Under 25 | $0.19 | $0.28 | $0.43 | $0.52 |
| 25–29 | $0.21 | $0.31 | $0.45 | $0.55 |
| 30–34 | $0.25 | $0.38 | $0.49 | $0.62 |
| 35–39 | $0.32 | $0.47 | $0.55 | $0.71 |
| 40–44 | $0.42 | $0.64 | $0.66 | $0.87 |
| 45–49 | $0.58 | $0.86 | $0.81 | $1.10 |
| 50–54 | $0.76 | $1.14 | $1.00 | $1.38 |
| 55–59 | $1.06 | $1.60 | $1.30 | $1.83 |
| 60–64 | $1.38 | $2.08 | $1.62 | $2.31 |
| 65–69 | $1.96 | $2.95 | $2.20 | $3.18 |
| 70–74 | $2.58 | $3.88 | $2.82 | $4.11 |
| 75+ | $3.56 | $5.34 | $3.80 | $5.58 |
Hospital Indemnity
Unplanned hospital stays can be expensive. Hospital Indemnity Insurance helps by supplementing your medical plan coverage. You’ll receive a lump-sum payment that you can use to pay for things that your medical plan may not cover, such as deductibles, copays, out-of-network care, even everyday living expenses. It also provides payment for specialized care; for example, if you need to be in an intensive care unit (ICU.)
| Biweekly Hospital Indemnity Premiums | |
|---|---|
| Low Plan Biweekly Rates | |
| Employee | $3.43 |
| Employee + Spouse | $8.95 |
| Employee + Child(ren) | $6.99 | Family | $11.07 |
| High Plan Biweekly Rates | |
| Employee | $7.26 |
| Employee + Spouse | $14.76 |
| Employee + Child(ren) | $12.23 | Family | $20.49 |
Legal Insurance
MetLife Legal plans offer easy access to the legal help you need for the common legal issues many people face. Plan benefits include unlimited use of network attorneys for covered issues, estate planning, civil lawsuits, elder-care issues and more.
Legal insurance is $9.12 per pay for all coverage tiers and is paid through payroll deductions.
Auto & Home Insurance
As an employee, you have access to auto and home insurance from Farmers GroupSelect. This program provides you with savings, outstanding customer service and a full suite of products. In addition to auto and homeowners insurance, they offer a variety of other policies and endorsements including:
- Condo
- Renter’s
- Personal excess liability
- Boat
- Motorcycle
- RV
To get a quote, please call 800-438-6381. Auto & Home insurance is a benefit elected directly with Farmers GroupSelect and is billed to you directly from the carrier.
Pet Insurance
MetLife Pet Insurance offers affordable, extensive coverage so that your pets can get the care they need to help them live a long and healthy life—and you can stay worry-free. You will receive flexible product offerings with straightforward pricing and options, group discounts, customizable limits and deductible savings.
To get a quote, visit MetLife Pet Insurance or call 855-364-1114. Employees enrolled in MetLife Pet Insurance will be billed directly to their home address.
Prudential
Accident, Critical & Hospital Indemnity
Enrolled Participants visit: mybenefits.prudential.com
MetLife
Legal website: members.legalplans.com
Home & Auto quotes: 800-438-6381
Pet Insurance: metlifepetinsurance.com or call 855-364-1114 for a quote