Voluntary Benefits

Voluntary Benefits

Critical Illness Insurance

Critical Illness insurance helps you prepare for the unexpected. A major illness such as a heart attack, stroke, coma, paralysis, major organ failure, and end state renal failure can leave you emotionally, physically, and financially overwhelmed. Critical Illness insurance can help relieve the financial impact of an illness so you can focus on recovery.

With Critical Illness insurance, you’ll receive a lump-sum payment when a covered illness is diagnosed. You can use the payment any way you choose, including paying for deductibles and coinsurance, rent, groceries, or child care.

The cost of the plan is dependent upon the employee’s age at the time of purchase. Premiums for this benefit are paid with after-tax dollars.

Accident Insurance

Accidents happen when you least expect them and recovery can be costly. Your major medical insurance may pay for most services, but you could be left with out-of-pocket expenses that add up quickly. Accident insurance can help ease unplanned financial burdens.

As a full-time employee, you can buy Accident insurance to cover unexpected costs due to an accident, such as ambulance services and emergency room fees. Use the payment any way you choose – from expenses not covered by your major medical plan to day-to-day cost of living expenses such as rent or utility bills.

As medical costs continue to rise, this additional layer of financial protection can make a difference at a time when you and your family need it most. Premiums for this benefit are paid with after-tax dollars.

Hospital Indemnity Insurance

Even a minor trip to the hospital can present you with unexpected expenses and medical bills. Though you may have medical insurance, your plan may only pay a portion of your entire stay.

Hospital Indemnity insurance provides financial assistance to enhance your current medical coverage. It allows you to avoid dipping into your savings to cover out-of-pocket health care expenses.

In addition to providing you with cash benefits during a covered hospitalization, Hospital Indemnity insurance does not require you to meet a deductible or precertification requirements. You can receive treatment at any hospital of your choice.

See the Benefits Guide or benefits summary for detailed information.

Your Rights

This website highlights some of your benefit plans. Your actual rights and benefits are governed by the official plan documents. If any discrepancy exists between this communication and the official plan documents, the plan documents will prevail. The company reserves the right to change any benefit plan without notice. Benefits are not a guarantee of employment.

City of Baytown Human Resources

(281) 420-6520