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Voluntary Benefits

Voluntary Benefits


All full-time and variable employees working 30 hours or more per week are eligible to participate in Term Life & AD&D, Whole Life, Hospital Indemnity, Accident Insurance, Long Term Disability, and Critical Illness coverage through Unum during Cross-country’s Annual Open Enrollment. All these benefits are voluntary and paid 100% by you, the employee.

Term Life/AD&D Insurance

Term life with accidental death and dismemberment (AD&D) insurance can provide financial protection for your loved ones if you die. This plan also includes “living benefits.” That means you can receive money if you survive an accident but have specific serious injuries or if you face a terminal illness someday.

Whole Life Insurance

Whole life insurance can benefit your loved ones if you die prematurely and provides coverage into your retirement years. You can keep Whole Life Insurance as long as you want. Once you’ve bought coverage, your cost won’t increase as you age. The benefit amount stays the same, too. It doesn’t decrease as you get older.

Accident Insurance

Accident insurance can pay a benefit directly to you if you suffer a covered injury and need treatment. It can offset the high cost of copays, deductibles, and other expenses your medical insurance doesn’t cover. This plan also covers on-the-job accidents.

Hospital Indemnity Insurance

Medical insurance covers many costs associated with a hospital stay and outpatient surgery, but you could still be left with significant out-of-pocket expenses. The UNUM hospital indemnity plan provides a $1,000 benefit for a hospital admission once per calendar year plus a $100 daily benefit up to a maximum of 60 days per calendar year. An annual $50 wellness benefit for completing a covered health screening test is also available.

Critical Illness

Critical illness insurance can help by paying a lump sum directly to you at the first diagnosis of a covered condition. You decide how to spend it. You can use this coverage more than once for different conditions, but each is payable once per lifetime. You can also purchase coverage for your spouse. Dependent children are automatically covered at 25% of your benefit amount at no additional cost. All employees are eligible for this voluntary coverage during the open enrollment period.