Snowbird / Voluntary Benefits

Can I buy additional accident protection?How will I pay my bills if I'm hospitalized?Can I be rewarded for wellness checkups?

Reliance Standard — A member of the Tokio Marine Group

Plan Options: Voluntary Accident and Voluntary Critical Illness
Snowbird 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.

(800) 351-7500 |

Voluntary Benefits

Voluntary Accident Insurance

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

Provides cash benefits for a wide range of accident-related events:
Fractures, dislocations, burns, dental injuries, etc.

Includes accidental death benefit:
$50,000 for Employee, $10,000 for Spouse, and $5,000 for Child.

$1,000 per hospital admission, or $1,500 per ICU admission (1 admission per incident, per insured).

$300 per day of hospital confinement (365 days per year, per insured), or $600 per day for ICU confinement (30 days, per year, per insured).

$75 annual wellness/health screening benefit.

See enrollment system for Voluntary Accident Insurance rates.

Voluntary Critical Illness Insurance

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. As an employee, you can elect up to $20,000 in coverage in increments of $5,000. You can also elect up to 100% of your elected amount for spouse coverage, and 25% of your elected amount for dependent child(ren). Benefits reduce beginning at age 70.

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

Use: you 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.

$50 annual wellness/health screening benefit.


See enrollment system for Voluntary Hospital Indemnity rates.

This information is designed to help you choose a benefit plan for 2023 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.