Supplemental Coverages

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 Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work. 

• Short term disability insurance policies offer a worker a portion of their salary if they are unable to work for a short period—typically three to six months.
• Long term disability insurance offers a worker a portion of their salary if they are unable to work for a longer period—typically a period of over six months. 

 Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in injury.

1.  The insured can spend the benefit payment however they choose.
2.  Accident insurance is complementary to, not a replacement for, health insurance 
3.  Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer a special benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football*. 

 General dental insurance covers procedures like cleaning, checkups and the odd filling. For most general dental insurance policies, waiting periods are around 2-6 months. Major dental insurance usually requires a waiting period of up to 12 months, and this includes Orthodontic treatment. 

 Travel insurance can include many specific types of coverage, but most fall under five main categories:

• Trip Cancellation or Interruption insurance
• Medical insurance.
• Evacuation insurance
• Baggage and Personal Items Loss
• Life Insurance