Plan Options: Voluntary Accident, Hospital Indemnity, and Critical Illness
Crumbl offers these additional voluntary benefits through Guardian Life to help you navigate life’s challenges. Guardian’s 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.

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

Pays injury benefits from $25 to $10,000

Includes Accidental Death benefit

Guaranteed acceptance

See our Online Enrollment system for Voluntary Accident Insurance rates.

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

Guaranteed acceptance for new hires only

Be Well Wellness Benefit included (once per covered person per calendar year) $50

See our Online Enrollment system for Voluntary Hospital Indemnity rates.

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:
The benefits to protect yourself and any family members if diagnosed with a covered critical illness.

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 our Online Enrollment system for Voluntary Critical Illness rates.