Emerson Health & Rehabilitation Center

Transamerica Voluntary Benefits

As an employee at Emerson Health & Rehabilitation Center, you are eligible to enroll in our Transamerica Voluntary Benefits.

NEW HIRES (must work a minimum of 30 hours/week and be employed for 90 days): this is your only opportunity to enroll in the benefits with Guaranteed Issue (no medical questions). To learn more about these valuable benefits, ask questions and enroll if you choose to do so, select a conference call time with a Customer Service Representative.

What do you get?

Options: You may choose your level of coverage; one that both fits your needs and is easy on your paycheck. Your decision will not change the benefits being provided under any employer-sponsored benefit program.
Convenience: Voluntary benefits are paid through the convenience of payroll deduction
Acceptance: In many cases, you and immediate family members will have a better opportunity to obtain coverage through this offering than you would on your own, especially if any medical conditions or concerns are present.
Portability: Many of these programs may be taken with your with no change in premium or benefit if you leave employment or retire.

Life Insurance

Life Insurance helps take care of your loved one’s immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts. Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.

As people move through the stages of life, certain factors dictate the type of life insurance they need. During working years, an employer may provide Term Life insurance, but the Transamerica Permanent Life product is designed to last for the remainder of your life and can help give peace of mind because the money you spend builds cash value that you can use later in life or add to the term benefit payout. The graph below illustrates the need for term and permanent whole life insurance throughout the various stages of life.

Whole Life Brochure

Disability Insurance

Could you survive if you were suddenly left without a paycheck? How would you pay your mortgage/rent, utilities, car insurance, car payments, food and other living expenses? Disability Insurance provides you with cash to protect your lifestyle when out of work due to an accident or illness.

Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire*
Offers income protection to help cover monthly expenses (i.e. mortgage or rent, utilities, car payments, etc…)
if you’re unable to work because of a total disability due to illness or injury

Disability Brochure

Accident Insurance

Unexpected accidents can also mean unexpected out-of-pocket expenses. Hospital stays, medical or surgical treatments, dislocations or fractures, and transportation by ambulance can add up quickly and be very costly. Accident Insurance can help with some of these expenses so your finances can remain healthy.

Guaranteed Issue – Coverage is available to you, your spouse and dependent children regardless of health history
Benefits are paid directly to you – use the money however you see fit
On and off the job coverage

Accident Brochure

Critical Illness

No one knows what lies ahead on the road of life. Will you suffer a stroke, a heart attack or be diagnosed with cancer? The signs pointing to a critical illness are not always clear and may not be preventable, but Critical Illness Insurance can help offer financial protection in the event you are diagnosed.

Covers major illnesses – Policies generally cover illnesses such as cancer, heart attack, coronary artery disease,
paralysis, kidney failure, and many more
Paid regardless of ability to work – The payment is made in a tax-free lump sum and is not linked to your ability/
inability to work
Use the money for any purpose – You choose what you want to do with the money
Wellness Benefit – (covered health screening tests) – $50 per covered person/calendar year

Critical Illness Brochure

Hospital Indemnity Insurance

Visits and stays at a hospital can be costly. A Hospital Indemnity Plan can complement your medical coverage by helping to ease the financial impact of a hospitalization.

Lump-sum cash benefit paid directly to you
No deductible to meet to receive benefits
No networks – freedom to choose your provider

Hospital Indemnity Brochure