2023 Benefits Guide Optional Protection Benefits WestCareoffers additional voluntary benefit plans through Accident Insurance MetLife. These plans are not medical insurance and do not replace your medical coverage, but rather pay cash directly Accident insurance pays a cash benefit when you or your to you in addition to any benefits you receive from your covered family members suffer injuries sustained in an health plan. accident. Covered injuries include fractures, burns, concussions, tears, lacerations, broken teeth and eye Insurance policies available for purchase (through after-tax injuries. Additional benefits may be paid, including payroll deductions) include Critical Illness, Accident and ambulance, emergency care, testing and therapy. Hospital Indemnity.These benefits may help fill the gap until you meet your medical plan deductible. Please refer to the MetLife benefit plan summaries for details, and please visit Paycom for rates. All MetLife benefit plans are portable, which means you can take these benefits with you if you leave the company. Rates are based on age, tobacco status and policy elected. Critical Illness Insurance This insurance pays a lump-sum cash benefit directly to the insured following the diagnosis of a covered critical illness or event, including (but not limited to) Alzheimer’s disease, invasive cancer, heart attack, kidney failure, stroke and major organ transplants. The plan also provides an annual cash benefit (per calendar Hospital Indemnity Insurance year) for eligible health screenings and prevention measures. Since these screenings are often paid at 100% Hospital Indemnity insurance policy can help by paying under the medical plan, you could walk away with cash in lump-sum benefits to help you manage expenses that your pocket for practicing good preventive care. arise if you or an eligible family member ends up in the hospital. You can use the money however you’d like — Please refer to the MetLife benefit plan summaries for from paying for medical copays and deductibles to details, and please visit Paycom for rates. everyday expenses such as the mortgage, transportation, groceries and utilities. There are no copays, deductibles, coinsurance or network requirements. These benefits aren’t reduced because you receive a payment from any other coverage you have, such as Medical, Accident or Critical Illness Insurance. Please refer to the MetLife benefit plan summaries for details, and please visit Paycom for rates. 24 WestCare