NEW!
ACCIDENTAL INJURY COVERAGE
Who Is Eligible?
If you are a full time associate regularly scheduled to work 30+ hours per week, you have the option to purchase coverage for yourself, your spouse and your dependent children. However, you may only elect coverage for your dependents if you elect additional coverage for yourself.
Accidental Injury coverage provides a fixed cash benefit for specific injuries and events resulting from a covered accident that occurs while you are not at work. The benefit amount depends on the type of injury and care received.
Other Features of Accidental Insurance
- Guaranteed Issue: No medical questions or tests are required for coverage.
- Flexible: You can use the benefit payments for any purpose you like. Benefits are paid directly to you!
- Portable: If you leave or retire, you can take your coverage with you.
Plan Highlights
*This is not a complete description of benefits. For a complete description of benefits, policy requirements and exclusions, please refer to the plan brochures & certificates of coverage.
CRITICAL ILLNESS INSURANCE
Who Is Eligible?
If you are a full time associate regularly scheduled to work 30+ hours per week, you have the option to purchase coverage for yourself, your spouse and your dependent children. However, you may only elect coverage for your dependents if you elect additional coverage for yourself.
Critical Illness insurance provides a cash benefit when a Covered Person is diagnosed with a covered critical illness or event after coverage is in effect.
Other Features of Critical Illness Insurance
- Guaranteed Issue: No medical questions or tests are required for coverage.
- Flexible: You can use benefit payments for any purpose you like. Benefits are paid directly to you!
- Portable: If you leave or retire, you can take your coverage with you.
Covered Conditions (lump sum payments)
*Once benefits have been paid for a covered critical illness, benefits are payable for that same critical illness when the date is separated by at least 6 consecutive months.
*This is not a complete description of benefits. For a complete description of benefits, policy requirements and exclusions, please refer to the plan brochures & certificates of coverage.
HOSPITAL CARE COVERAGE
Who Is Eligible?
If you are a full time associate regularly scheduled to work 30+ hours per week, you have the option to purchase coverage for yourself, your spouse and your dependent children. However, you may only elect coverage for your dependents if you elect additional coverage for yourself.
Hospital Care coverage provides a benefit according to the schedule below when a Covered Person incurs a Hospital stay resulting from a Covered Injury or Covered Illness.
Other Features of Hospital Care Coverage
- Guaranteed Issue: No medical questions or tests are required for coverage.
- Flexible: You can use benefit payments for any purpose you like. Benefits are paid directly to you!
- Portable: Should you leave or retire; you can take this policy with you and select from a variety of payment plans.
Plan Highlights
If benefits are paid for confinement to a hospital, intensive care unit, and / or intermediate intensive care step-down unit and the insured is confined again within 6 months due to the same or related condition, it will be treated as the same period of confinement.
*This is not a complete description of benefits. For a complete description of benefits, policy requirements and exclusions, please refer to the plan brochures & certificates of coverage.
EMPLOYEE ASSISTANCE PROGRAM
Who Is Eligible?
All associates and their dependents, as well as the associate’s household members.
No Cost Help for You and Your Family Members
There are times when everyone needs a little help or advice, or assistance with a serious concern. The Employee Assistance Program (EAP) can help you handle a wide variety of personal issues such as emotional health and substance abuse, parenting and childcare needs, financial coaching, legal consultation, and eldercare resources. Contacting the EAP is completely confidential, free and available to any member of your immediate household.
Easy Access
- Unlimited phone access 24/7
- In-person or video counseling for short-term issues; up to six visits per issue per year
- Web access to helpful articles, resources, and podcasts
Support Wellbeing
- Stress, mental health concerns, grief and loss, crisis situations.
Manage Relationships and Family
- Communication, separation, divorce, parenting
Workplace Challenges
- Stress, performance, work-life balance
Legal Advice
- 30 minute telephone consultation in almost all areas of law at no cost to you, except for business and employment law
- Library of resources on: Family law, separation, divorce, custody estate planning, immigration, landlord issues, real estate, bankruptcy
Financial Helpline Support
- Debt management, bankruptcy, retirement
Tackle Addictions
- Alcohol, drugs, smoking cessation, gambling
Find Child and Elder Care Resources
- Child care, schooling, nursing, retirement homes
To access your TELUS Health EAP 24/7, visit one.telushealth.com and login using the username: CRATE and password: eap.
You can also call for support at 844.246.7674 or download the mobile app on your app store.
TRAVEL ASSIST
Who Is Eligible?
All full time associates scheduled to work 30+ hours per week
Traveling can be exciting, but when the unexpected happens, the entire experience can quickly deteriorate. Our travel assistance program provides 24/7 assistance for all travel, medical and legal needs employees and their family members may incur when traveling more than 100 miles from their primary residence. These services include:
Emergency Transportation Services, including:
•Emergency medical evacuation/medically necessary repatriation
•Repatriation of mortal remains
•Transportation after stabilization
•Visit by a family member or friend
•Return of dependent children or traveling companion
Travel Support Services, including:
•Medical monitoring
•Medical and dental search and referral
•Advance of emergency medical expenses*
•Assistance with replacement medication, medical devices and eyeglasses or corrective lenses
Personal Assistance Services, including:
•Assistance with emergency travel arrangements
•Pre-trip information
•Interpretation/Translation
•Emergency cash advance
*Services paid for by Generali require reimbursement. A satisfactory guarantee of reimbursement is required before services are rendered.
If you need assistance, contact us at 800.759.9504
EMPATHY
Who Is Eligible?
All full time associates scheduled to work 30+ hours per week.
Experiencing loss is inevitable. Yet, when it happens most people are unprepared. They are not only unprepared for the tangible tasks involved, but also for the emotional impact of the grief that may follow. Empathy provides care and support for covered employees as well as for their beneficiaries and loved ones.
Available via digital delivery on a mobile device or web, access to Empathy is simple, in an easy-to-use platform. However, there is also a human element to Empathy as users will have access to high-quality specialists who can address many disciplines, including licensed social workers, behavioral health practitioners, chaplains, grief coaches and more.
Once registered and activated, users will have access to the following:
- Personal Care Plans
- Dedicated 24/7 Grief Support
- Estate Settlement and Finances
- Time Saving Tools
- Additional Content and Community Support
Beneficiary Care
Available to the beneficiary of an insured employee, Beneficiary Care includes, but is not limited to, the following:
- Care Team: on-demand dedicated bereavement concierge
- Emotional Support: 24/7 grief support sessions, audio guides, mindfulness and motivation, sleep support and self-care tools
- Probate and Estate Administration: Estate Administration and probate experts and guidance, and identity theft protection
- Family Collaboration: 10 invites to share application with loved ones and a 2GB document vault
- Timesaving Tools: Account deactivation hub, benefit claims tool and obituary writing tool
- Planning Resources: Personalized step-by-step care plan, smart checklists and tasks tracker, content library and community discussions and live sessions.
Bereavement Care
Available to insured employees who experience a loss of a loved one, Bereavement Care provides the same services as Beneficiary Care, plus Planning Ahead Care services.
Planning Ahead Care
- Unlimited Funeral Planning: Access to team trained in planning funerals as well as funeral directors and chaplains. This includes options to call in, chat, email for any funeral, burial, or cremation questions. Includes detailed instructions and on-demand assistance finding a funeral home, identifying funeral homes and other vendors, planning events, arranging all details, and much more.
- Will Preparation: Step-by-step guidance for creating an online will.
- Last Wishes Resources: Ability to express preferences for last wishes so families will know exactly what to do for issues not addressed in a will, such as burial arrangements.
Register online at join.empathy.com/aflac or call 720.734.8724 to be connected with the Care Team
ASSOCIATE SUPPORT FUND
Who Is Eligible?
All regular associates scheduled to work 30+ hours per week.
The CBH Associate Support Fund was created to help employees who are facing financial hardship immediately after a natural disaster or an unforeseen personal hardship.
The Fund relies primarily on individual donations from employees and support from CBH. Every contribution helps and when combined with the donations of others can provide a tax-free grant (USA) to help a fellow employee in need when they are facing the unexpected.
Associates may contribute 1-time or set up regular payroll contributions on Workday or through our partner site, ASFCrate.com.
For FAQs and information on how to apply to receive benefits from the fund, visit the Benefits Page of the HR Site.
For more information, go to asfcrate.com.