Overview

You can enroll in additional voluntary insurance products through the Mercer Marketplace 365. Because these products are offered at competitive group rates, you could save money compared with purchasing them on your own. 

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Supplemental Medical Insurance

Supplemental medical insurance can help protect you from significant or unexpected out-of-pocket expenses incurred when you undergo a procedure or use a service your medical plan doesn’t cover. These supplemental options are not designed to replace the traditional medical plans.

Here’s how the supplemental medical insurance plans work:

  • Cash benefits are paid directly to you. Benefits aren’t subject to copays, deductibles, coinsurance, or network requirements.
  • You choose how to spend your insurance benefits. You can pay for medical costs, travel expenses to see a specialist, childcare, or help around the house — it’s completely up to you.
  • “Get it” and forget it. Premiums are deducted from your paycheck, so you’re covered when you need it.
  • Take it with you. You can take your coverage with you if you leave Robert Half.

The following supplemental insurance products, provided through Cigna, are available to you as part of our voluntary benefits offerings. You pay the full cost of these plans through post-tax payroll deductions. Complete details about these products and their costs are available on the Mercer Marketplace 365.

My Secure Advantage™

When you purchase accident, critical illness or hospital indemnity coverage through Cigna, you have access to My Secure AdvantageTM, which offers financial wellness solutions for all types of personal challenges. These solutions include:

  • Personal coaching to help you manage financial difficulties
  • Identity theft protection with fraud resolution
  • Online access to state-specific wills, powers of attorney and a variety of other important legal documents
Enrollment Tip

The supplemental insurance products are intended to be used in addition to your medical plan. They provide great complementary coverage to the $1,500 Deductible Plan and the $2,500 Deductible Plan. However, on their own, they do not provide the minimum level of medical coverage needed to meet health care reform individual mandate requirements under the Affordable Care Act.

Accident Insurance

Let’s face it: Accidents happen. When they do, accident insurance provides a cash payment in cases of injuries. You can use this money to help pay for uncovered medical expenses — such as your deductible or coinsurance — or ongoing living expenses, like your mortgage, rent, day care or transportation. Benefits include initial and emergency care, hospitalization benefits, fractures and dislocations, follow-up care, and accidental death and dismemberment.

Coverage is available for you and your eligible dependents.

Critical Illness Insurance

Everyone has different needs when coping with critical illness.

Critical illness insurance helps protect against the financial impact of heart attack, cancer, stroke and other conditions. You receive a cash payment that you can use for uncovered medical expenses or ongoing living expenses, like your mortgage, rent, daycare or transportation. There’s even a paid benefit for receiving annual health screenings, including $50 for routine health exams and $200 for mammograms.

There are two coverage options for you: $15,000 or $30,000. Coverage for eligible dependents is equal to 50% of your coverage amount.

Hospital Indemnity Insurance

Make sure you’re prepared for a possible hospital stay. Hospital indemnity insurance provides a cash payment for expenses that your medical plan may not cover. Benefits include coverage for hospital admissions, including for chronic conditions, intensive care unit (ICU) care, and observation.

Coverage is available for you and your eligible dependents.

 

Universal Life Insurance

Universal life insurance is designed to last your lifetime as long as you pay your premiums. Upon your death, your beneficiaries receive a lump-sum payment known as the death benefit, which can be used to help cover expenses or support their future needs. Unlike term life insurance policies, universal life insurance can accumulate fund value over time. Coverage may expire if either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.

You may purchase coverage for yourself and your dependents (up to age 26). You can enroll as a new hire, during Open Enrollment, or during the year if you experience a qualifying live event.

Group Universal Life Insurance benefits are provided under policy form GUL22, or state variations thereof. This is a brief overview of the benefits available under the group policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of the coverage, including exclusions and other limitations are included in the certificates issued. For additional information, you may contact your Allstate Benefits Representative.

 

Identity Protection

PrivacyArmor® from Allstate Identity Theft Protection is a proactive fraud detection and prevention plan that includes full-service remediation for state-of-the-art identity protection. You’ll also have access to an annual credit report,* monthly credit scores and monitoring of your TransUnion credit file.

Allstate Identity Theft Protection offers PrivacyAdvocates® who are certified and trained in identity restoration. If suspicious activity is detected, a PrivacyAdvocate® can act as a dedicated case manager to resolve the issue.

* Under federal law, you’re entitled to a free copy of your credit report annually from all three credit reporting agencies. To order, visit annualcreditreport.com or call 1.877.322.8228.

 

Legal Benefits

MetLife Legal Plan offers you access to attorneys for common legal matters, such as will preparation, estate planning, elder care matters, identity theft and more. You, your spouse and your dependents can select an attorney from our nationwide network of more than 15,000 experienced attorneys for advice and consultation, to draft or review documents or to provide representation in court, if necessary. You also have the ability to use an attorney outside of the legal plan network and get reimbursed for covered services according to a set fee schedule.

A client service representative can help you locate a network attorney in your area. Through the member website, you’ll also have access to an attorney locator to find attorneys on your own, self-help legal documents to complete simple legal matters and a Law Firm E-Panel that you can submit questions to. Visit MetLife Legal Plan to find out more.

 

Auto and Home Insurance

Compared with purchasing auto and home insurance on your own, purchasing group auto and home insurance through the Mercer Marketplace 365 could provide you with savings of up to 15 percent. MetLife gives you access to a variety of personal insurance policies, including home,* landlord’s rental dwelling, condo, mobile home, renters, recreational vehicle, boat and personal excess liability.

* Home insurance is not part of the benefit offering from MetLife Auto and Home in Massachusetts and Florida.

 

Pet Insurance

If you’re a pet owner, you know how quickly animals become part of your family and how important it is to offer them the care and love they need. With coverage from Nationwide®, you can continue providing the best care possible. Call 1.800.540.2016 or go to Nationwide for a free quote.

 

Discount Perks

Through PerkSpot, you’ll have 24/7 access to exclusive prices, discounts and offers from hundreds of local and national merchants, such as health clubs, movie theaters, restaurants, retailers and all major cell phone providers. Offers are updated frequently.

Using PerkSpot is free. Once you enroll, you can sign up to receive email alerts for discounts and savings of up to 40 percent.