Supplemental Insurance

The supplemental insurance plans provide additional income for covered expenses.

Supplemental insurance applies to active employees only.

Hospital Indemnity Plan

This plan pays a daily cash benefit while you or a covered dependent is hospitalized. The money is paid to the employee and may be used for all expenses, even if they are not medical expenses. These payments are in addition to your city medical plan.

Under this plan, pre-existing conditions are not covered for an injury or sickness that required medical advice or attention during the 12-month period before the effective date of coverage.

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Accident/Disability Plan

This plan provides a benefit if you or a covered dependent is injured or becomes disabled according to plan guidelines.

The plan will pay a benefit to the employee for:

	accidental death,
	off-the-job accidents that result in disability, employee only,
	hospital income,
	emergency room use, and
	injury or loss of limb.

These payments are in addition to the city medical plan. If you pay for accident/disability insurance plan coverage with pretax dollars, future disability benefit payments will be taxable income.

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Personal Cancer Protector Plan

This plan provides supplemental insurance for you or a covered dependent diagnosed with cancer. Benefits are paid directly to you.

You may use this benefit to pay for medical, travel and other expenses including, but not limited to:

	hospitalization costs
	food and lodging
	copayments
	travel
	deductibles
	child care
	special equipment
	necessary household help

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Rates and Additional Information

The rates for each plan are shown in the packet of information you will receive from your department human resources liaison. Benefits under the supplemental insurance plans will be effective May 1, 2005.

If you would like more information about the supplemental insurance plans, contact your department human resources liaison.

Important note: If you are enrolled in a supplemental insurance plan and don’t want to make any changes, don’t do anything. Your coverage will remain in effect through April 30, 2006.

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