supplemental benefits
Accident Insurance through Lincoln Financial Group provides financial protection for expenses like exams, ambulance bills, physical therapy, and X-rays. Coverage includes a $50 health assessment and a child sports injury benefit, with benefits paid as a lump sum based on the injury and medical care received.
Critical Illness Insurance through Lincoln Financial Group provides financial support for diagnoses of major illnesses, such as cancer, heart attack, or stroke. Benefits are paid in a lump sum and can be used as needed. Coverage includes conditions like skin cancer, AIDS, and COPD, with no pre-existing illness clause. Bone marrow transplants are not covered.
Hospital Indemnity Insurance through Lincoln Financial Group provides financial support for hospital and ICU admissions, helping cover deductibles, copays, and other expenses. Benefits include Newborn Care and NICU Confinement coverage. Associates are responsible for the cost of this benefit for themselves and their dependents.
These Summaries are designed to help you understand the coverage and benefits available. However, they are not legal documents, and if these Summaries say anything that disagrees with the legal documents that make up any of the plans, the legal documents will control. IMA Financial Group, Inc., reserves all rights to make changes at any time in the benefits, costs, and other provisions of any plan. Those changes could include the complete termination of benefits for all individuals or certain groups of individuals. However, any continuation coverage rights under federal law which are then applicable will be provided. No employee, spouse, or dependent will acquire any vested (nonforfeitable) right to have benefits, costs, or other provisions of any plan remain unmodified or in effect. No plan maintained by IMA Financial Group, Inc., is intended to create any contractual right of employment, and nothing contained therein or in these summaries shall be construed as a guarantee of employment for any specific period of time or for any specific type of work.
