Voluntary Plan Options: Accident, Hospital Indemnity, and Critical Illness Insurance
Snap Finance offers these additional voluntary benefits through UNUM to help you navigate life’s challenges. Our goal is to help you and your family cope with and recover from the financial stress of a serious accident or illness. These plans are not major medical insurance; they are insurance for daily living and pay cash directly to you to help with daily living expenses.

For the 2024 plan year, Snap Finance has moved these accounts from Allstate to UNUM.

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Accident insurance can help provide you with a cushion to help cover expenses and living costs when you get hurt unexpectedly. While you can count on health insurance to cover medical expenses, it doesn’t usually cover indirect costs that can arise with a serious or even not-so-serious injury. You may end up paying out of your own pocket for things like transportation, over-the-counter medicine, daycare or sitters and extra help around the house. With accident insurance, the benefits you receive can help take care of these extra expenses and anything else that comes up.
Group Accident Insurance gives you peace of mind knowing:

This plan pays toward injury-related ER visits, hospitalizations, follow-up visits, physical therapy, and coverage for off-the-job accidents*.

Pays injury benefits from $25 to $50,000

Includes accidental death benefit

Guaranteed acceptance

See enrollment system for Voluntary Accident Insurance rates.

If unexpected medical needs arise, will your medical insurance cover enough of the expense? Benefits from a Hospital Indemnity plan can be used to assist you in paying: deductibles, coinsurance, out-of-network costs, etc. Benefits are paid regardless of other coverage and this plan is compatible with Health Savings Accounts.

Benefits are paid directly to you when you need it most and can be used however you choose: to help pay for out-of-pocket medical expenses like co-pays and deductibles or for non-medical expenses*.

Hospital admission benefit and daily hospitalization benefits

Intensive Care Unit benefit for up to 30 days

Pays you benefits for hospitalization due to pregnancy

See enrollment system for Voluntary Hospital Indemnity rates.

If unexpected medical needs arise, will your medical insurance cover enough of the expense? Benefits from a Critical Illness plan can be used to assist you in paying: deductibles, coinsurance, out-of-network costs, etc. Benefits are paid directly to you as cash benefits that correspond with a variety of covered illnesses*, such as: cancer, vascular conditions, neurological conditions, comas, and more.

CHOOSE:
Benefits to protect yourself and any family members if diagnosed with a covered critical illness. ($10,000, $20,000 or $30,000).

USE:
Go to your annual exam, the doctor runs tests, the results come back, and you’re diagnosed with a covered illness.

CLAIM:
Go online, and file a claim. The cash benefits are paid to you, to use however you wish.

See enrollment system for Voluntary Critical Illness rates.

This information is designed to help you choose a benefit plan for 2025 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.