Insurance benefits
Extra
Protection
Supplemental insurance is designed to fill in the gaps of what’s covered by your primary insurance plan. At Citadel we have options for coverage for all of these situations and more!
Cancer
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Cancer is a frightening & expensive diagnosis. Cost shouldn’t be your first thought when faced with a cancer diagnosis, Make it easier to manage and cope with the costs with Citadel.
Life
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Life insurance is designed to protect your loved ones in the event that you unexpectedly pass on. Plans provide lump-sum cash benefits that help your loved ones pay for final expenses, lingering bills, and other costs. Costs vary depending on insurance package.
* See below for more on the levels
Hospital Indemnity
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Supplemental health insurance plans from Citadel Benefits Group are designed to provide a financial safety net that will help fill in gaps left by major medical insurance, particularly those associated with a hospital stay. Benefits help cover co-pays, deductibles, and treatments.
Disability
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Most can’t afford to miss a paycheck, much less two or three due to an sudden injury or illness. Short-term disability insurance from Citadel protects you when a temporary condition keeps you from work.
Accident
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Accidents, by definition, are unexpected. Accident insurance from Citadel Benefits Group helps to pay for a covered accident and can include coverage options to help assist with necessitated time.
Critical Illness
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Critical illness policies provide cash benefits when you’re diagnosed with a serious health condition such as stroke, heart attack, kidney failure, cancer, organ failure /transplant, and major surgeries.
Term Life
Affordable temporary coverage.
Provides a death benefit to the beneficiary if the insured passes away during a specified term. It’s typically the most affordable life insurance option and is ideal for temporary coverage needs.
Whole Life
Lasting financial security.
Offers lifelong coverage with a death benefit and a cash value component that grows over time. Premiums are fixed and often higher than term life but provide lasting financial security.
Universal Life
Take support to the next level.
A flexible policy that combines a death benefit with a cash value component. It allows policyholders to adjust premiums and coverage amounts based on their financial situation.
Short Term Disability
Support special exhibitions.
Replaces a portion of an employee’s income if they are unable to work due to a temporary disability caused by illness or injury, typically covering periods up to six months.
Long Term Disability
Take support to the next level.
Provides financial support by replacing a portion of income for employees who are unable to work for an extended period due to a disabling condition.
Dental Insurance
Fills the gaps in major medical coverage by helping pay for out-of-pocket expenses like deductibles, copays, and coinsurance.
Vision Insurance
Covers routine eye care, such as exams, glasses, and contact lenses, as well as discounts on corrective surgeries like LASIK.
Supplemental Vision Insurance
Fills the gaps in major medical coverage by helping pay for out-of-pocket expenses like deductibles, copays, and coinsurance
Major Medical Insurance
Comprehensive health insurance that covers a wide range of medical services, including doctor visits, hospital stays, surgeries, and prescriptions, often with higher coverage limits.
Minor Medical Insurance
()MEC – Minimum Essential Coverage) Provides basic coverage for preventive and routine medical services as required under the Affordable Care Act (ACA).
Identity Theft Protection
Helps safeguard employees against identity theft by providing monitoring, alerts, and assistance to restore their identity if it is compromised.