Travis County Sheriffs Association has partnered with Allstate Benefits to provide Supplemental Insurance Benefits to all Association Members and has now made these benefits available to all Travis County Sheriff’s employees and their families. The association has used its size to your advantage and brought you benefits that are not available from the County. These Insurance products will be available to you on a simplified underwriting basis, making it easier to qualify. Benefits are also available to immediate family, and are portable with no increase in premium.
Health events can be a major event to a family, and a dread disease will not only be a major event, it may also be accompanied by financial devastation. The deductibles, co-pays, and lost wages during a health event are hard to budget for, and that’s exactly what supplemental insurance does. It is designed to soften or alleviate the financial blow of a major health event. That’s why these insurance policies pay you directly, and not the care providers. The care providers are already being paid by your major medical insurance, and you in the form of deductibles and co-pays, but who pays you for the extra expenses incurred, and the lost wages associated with treatment and recovery. Allstate Benefits and the above coverages do.
Initial Enrollment at the JUNE 28, Association meeting held at the CLEAT offices and subsequently will be done at shift briefings . Arrive early and speak with an enrollment agent.
AWD will provide agents to answer any questions and help you make informed decisions on benefits. These benefits will be bank drafted, NOT payroll deducted, so bring your banking information.
All benefits will be paid directly to you the policy holder, not to Doctors, clinics or hospitals.
Heart Attack, Stroke, and Heart Disease Insurance
Coverage for the #1 killer in America. Heart & Stroke Insurance pays benefits in addition to existing coverage that can be used to help cover costs associated with the treatment of Heart/Stroke-related conditions and more importantly Heart Disease. Issue age 18 to 64, and renewable for life. Premium as low as $8.98mo for member, or $17.96 for your family.
Cancer and Specified Disease Insurance
Pays benefits, in addition to existing coverage, that can be used to help cover the costs associated with the treatment of cancer & 20 other specified diseases. This policy pays you up to $100 per year for having any one of over 20 wellness exams. Issue age 18 to 64, and renewable for life. Premium as low as $18.96 per month for member, or $32.62 for your family.
Intensive Care Rider
This option can be added to the Cancer or Heart policy and pays you $600 daily for an ICU stay for any reason (up to 45 days). If ambulance services were needed for admission to ICU, AWD pays the actual charges for ambulance service; ground or air. Cost of this rider is $6.60 to the monthly member premium of the Heart or Cancer policy, and $12.20 for a family.
Hospital Indemnity Insurance (Supplemental Health Options Plan)
Hospital Indemnity Insurance, referred to as SHOP. Pays a daily benefit for a hospital stay, and a once a year lump sum for hospital admission. Issue age 18 to 60, and renewable to age 64. Please see brochure link below for premium quote.
Critical Illness Insurance
Critical Illness coverage pays lump-sum benefits directly to the insured at the time a covered illness is diagnosed. Coverage from $5,000 to $50,000, for Heart Attack, Stroke, Major Organ Transplant, end stage Renal Failure, Cancer, and more. Issue age 18 to 64, and renewable for life. Premium examples for $25,000, and $100 wellness benefit: age 18-29 = $10.66mo, age 30-39 = $18.96mo, age 40-49 = $32.95mo, age 50-59 = $55.95mo, age 60-64 = $92.97
Universal Life Insurance
A permanent Life Insurance with fund value accumulation at a 4% guaranteed interest rate. It can help ease your family’s financial burden upon death and help you systematically grow a cash fund to be used at your discretion. Face amounts from $10,000 to $100,000. There are far too many ways to customize this insurance, so please request a personal quote.
DISTURBING BUT IMPORTANT FACTS
§ No one likes to think about getting cancer. But in the United States the lifetime risk of developing cancer is slightly less than 1 in 2 for men, and slightly more than 1 in 3 for women. *
§ About every 26 seconds an American will suffer a coronary event. **
§ The cost of coronary heart disease in the United States for 2010 is $177.1 billion. Up from $156.4 billion in 2008. **
§ About 780,000 people will have a stroke this year – that’s an average of someone every 40 seconds in the United States.**
Major Medical Insurance VS Supplemental Health Insurance
Major medical, your co-pay and deductable dollars pay for treatment.
Supplemental insurance pays YOU for qualified events.
Heart-Stroke coverage… https://agent.ahlcorp.com/FormsPreviewPDF.asp?FID=4443
Heart-Stroke premium… https://agent.ahlcorp.com/FormsPreviewPDF.asp?FID=4460
Cancer … https://agent.ahlcorp.com/FormsPreviewPDF.asp?FID=34233
Critical Illness… https://agent.ahlcorp.com/FormsPreviewPDF.asp?FID=15629