Voluntary Benefits

Accident, Critical Illness, and Hospital Indemnity coverage are available to you, your spouse, and your dependent children. However, employees must have coverage in order for their spouse and children to obtain coverage.

Lemek LLC has expanded our benefit offerings to help you and your family cover unexpected medical expenses. You have the option to purchase additional voluntary benefits via post-tax payroll deductions.

The post-tax voluntary benefits may be canceled at any time throughout the year.

Voluntary Accident Insurance

The Standard’s supplemental accident insurance provides benefits for covered injuries and specified accident-related expenses for an individual or family. Since health insurance only goes so far, this group policy is designed to help cover the out-of-pocket expenses that can result from a sudden accident.

Plan covers a wide variety of injuries and accidents, such as: hospitalization, physical therapy, emergency room treatment, doctor’s visits, fractures and dislocations, transportation, lodging, and more.
Benefits are paid for accidents that occur on or off the job.
Youth organized sports benefit pays an additional 25% of the total benefit for dependents injured while playing organized sports.
Plan also offers coverage for accidental death and catastrophic accident.
Coverage options include employee, spouse and/or children up to age 26.

Standard Enhanced Accident Plan
Tier Enrolled	Bi-monthly Rates
Employee Only	$4.72
Employee + Spouse	$7.50
Employee + Child(ren)	$8.91
Employee + Family	$13.95

Watch: Accident Insurance

Voluntary Critical Illness Insurance

Could your bank account survive a serious illness? Be prepared with group critical illness insurance from The Standard. Critical Illness insurance can pay a lump sum benefit at the diagnosis of a covered illness. You choose the level of coverage with benefit amounts from $5,000 to $30,000. You can use the money to pay for copays, deductibles, childcare, transportation, lodging or any other expenses that you may have. Coverage options include employee, spouse and/or children up to age 26. Under this plan, children are covered at no extra cost. Rates are calculated during your enrollment session and are based on benefit amount and age.

What is Covered? Some of the critical illnesses covered in this plan include:

Heart attack
Major organ failure
Cancer
Stroke
Coma
Paralysis

Watch: Critical Illness Insurance

Voluntary Hospital Indemnity Insurance

A trip to the hospital can be costly – and most people are surprised to learn they are responsible for a good portion of the bill. Hospital Indemnity insurance through The Standard provides direct benefit in the event of a hospitalization, regardless of treatment costs or other insurance coverage.

Hospital admission benefit: $1,500 per calendar year
Hospital confinement benefit: $100 per day for up to 30 days
Health Maintenance Screening benefit: $50

Standard Hospital Indemnity Plan
Tier Enrolled	Bi-monthly Rates
Employee Only	$7.86
Employee + Spouse	$13.52
Employee + Child(ren)	$10.98
Employee + Family	$19.63