Offer all or a combination of products to build the coverage that meets your and your employee needs. 

• Accident
• Critical Illness
• Short-Term Disability
• Hospital Indemnity

To issue a contract, Accident, Critical Illness, and Hospital Indemnity only require a minimum of 5 employees enrolled, and Short-Term Disability only requires a minimum of 10 employees enrolled!

Accident Indemnity

Accidents happen, but employees don't have to face the financial consequences of one alone. 

Accident Indemnity is Guaranteed Issue with no health questions or medical exams required! 

Choose from Value, Classic, and Preferred plan options. 

The Classic and Preferred plans include 40 benefits! Benefits include coverage for specified:

• Initial Emergency Care
• Inpatient Hospital Care
• Surgical Care
• Follow-up Care
• Recovery Care
• Preventative Care

Add one or both optional rider options for more coverage: Total Disability Premium Waiver Rider and/or a Well-Being Benefit Rider.

Portability: Employees can take their coverage with them after employment, and coverage remains inforce as long as premiums are paid and the master contract remains inforce. 

Critical Illness

Lump sum benefits paid directly to employees for when the unexpected happens. 

Choose from Cancer-only, Classic, and Preferred plan options. 

All plan options include a Waiver of Premium Benefit! Premiums are waived if the insured is Totally Disabled for at least 180 days due to a covered illness. 

Benefits for Classic and Preferred plans include coverage for specified:

• Cardiac events
• Cerebral Vascular Diseases
• Cancer
• Progressive Diseases
• Other specified illnesses

The Classic and Preferred plans also include a built-in Recurrence Benefit. 

Optional Riders: Infectious Diseases Benefit Rider, Childhood Conditions Benefit Rider, and/or a Well-Being Benefit Rider.

Portability: Employees can take their coverage with them after employment, and coverage remains inforce as long as premiums are paid and the master contract remains inforce. 

Short-Term Disability

Supplemental financial protection for when an accident or illness leaves an employee disabled. Add as a standalone  disability coverage option or supplement existing long-term disability coverage. 

Benefits include coverage for specified:

• Total Disability
• Partial Disability 

“24-hour” and “Off-the-Job” coverage options. 

3, 6, or 12 month benefit periods, with benefit amounts between $300 and $6,000 (not to exceed 60% of the insured’s income).

Choose optional enhancements for more coverage: Catastrophic Disability Benefit, Accidental Death Benefit, Presumptive Disability, Survivor Benefit, and/or a Terminal Illness Benefit.

Portability: Employees can keep their coverage up to 12 months after their employment ends or until age 70, whichever happens first.

Hospital Indemnity

Supplemental financial support to help employees deal with the strain of a hospital stay. 

Choose from Value, Classic, and Preferred plan options. 

Benefits for Classic and Preferred plans include coverage for specified:

• Hospital Confinement
• First Hospital Admission
• Diagnostic Benefit
• Intensive Care, Cardiac Care, and Burn Unit Care

Guaranteed Issue coverage is available!

Portability: Employees can take their coverage with them after employment, and coverage remains inforce as long as premiums are paid and the master contract remains inforce. 

Not all products, benefits, and riders available in all states. Have a ManhattanLife agent contact you today or reach out to us at Advantage@manhattanlife.com.