Voluntary Benefits
Voluntary coverage is designed to provide added financial protection when you need it most, including support for critical illnesses, accidents, and unexpected hospital stays.
Critical Illness Insurance
If you are diagnosed with a serious illness, Critical Illness Insurance gives you a lump-sum cash benefit to pay for anything you need. This includes copays, transportation, child care, groceries, and more. You can purchase coverage for yourself and your family members.
Choose the plan during enrollment.
Critical Illness Insurance gives you a cash benefit if you are diagnosed with a covered illness. See the Benefits Summary for details. You can purchase coverage for yourself, your spouse, and children. To cover your family members, you must enroll yourself first.
If diagnosed with a covered illness, file a claim with Prudential.
Visit mybenefits.prudential.com or use the Prudential MyBenefits mobile app to file a claim. You’ll need to provide copies of your medical records.
Get paid.
Prudential will review your claim and send a check when it’s approved. You can use the money as you see fit.
What’s Covered
Critical Illness Insurance covers medical conditions like stroke, heart attack, cancer, organ failure, and Alzheimer’s disease. You can purchase coverage for:
You
You can choose either $10,000, $20,000, or $30,000 in coverage.
Your Spouse/Domestic Partner
You can enroll your spouse/domestic partner for 50% of your coverage.
Your Children
You can enroll your children for 50% of your coverage.
Receive a $100 per year wellness benefit when you complete an eligible health screening (e.g., annual well-woman, well-man exam). No medical questionnaires are required, but some pre-existing condition terms apply. See the Benefits Summary to learn more.
What You Pay
Premiums are paid from your paycheck with post-tax dollars. The amount you pay depends on your age and the amount you elect. You’ll see the exact amount when you enroll.
How to File a Claim
If you are diagnosed with a covered illness, file a claim on the Prudential MyBenefits mobile app or online: mybenefits.prudential.com > Log In > My Claims > File a Supplemental Health Claim
Accident Insurance
We don’t know when accidents will happen, but we can plan for them. If you are injured in an accident, Accident Insurance gives you a cash benefit to pay for anything you need — groceries, healthcare expenses not covered by medical coverage, transportation, and more. In addition, receive a $50 per year wellness benefit when you complete an eligible health screening (e.g., annual well-woman, well-man exam). You can purchase coverage for yourself and your family members.
Choose the plan during enrollment.
The plan pays benefits for fractures, burns, surgery, and more. See the Benefits Summary for details. You can purchase coverage for yourself, your spouse, and children. To cover your family members, you must enroll yourself first.
If you’re injured in an accident, file a claim with Prudential.
Visit mybenefits.prudential.com or use the Prudential MyBenefits mobile app to file a claim. You’ll need to provide copies of your medical records.
Get paid.
Prudential will review your claim and send a check if approved. The amount depends on the injury and the treatment you receive. Use the money as you see fit.
What You Pay
Premiums are paid from your paycheck with post-tax dollars. Your costs will be displayed on the Benefits Portal.
How to File a Claim
If you are injured in an accident, file a claim on the Prudential MyBenefits mobile app or online: mybenefits.prudential.com > Log In > My Claims > File a Supplemental Health Claim
Hospital Indemnity Insurance
Have a planned or unplanned hospital stay? Hospital Indemnity Insurance provides a lump-sum cash payment for covered hospital admissions from sickness, injury, inpatient procedures, or childbirth. Payments can be used for expenses not covered by traditional insurance or for non-medical costs like transportation, groceries, and food delivery services.
Choose the plan during enrollment.
You can select coverage for yourself.
If you are admitted to the hospital, file a claim with Prudential.
Visit mybenefits.prudential.com or use the Prudential MyBenefits mobile app to file a claim. You’ll need to provide copies of your medical records.
Get paid.
Prudential reviews your claim and sends a check if approved. The amount depends on your coverage and your hospital stay. Use the money how you see fit.
What’s Covered
Hospital Indemnity Insurance pays you a benefit for a variety of medical services received including, but not limited to:
- Hospital admissions
- Daily in-hospital stays
- Intensive care unit admission
- Daily hospital intensive care unit stays
- Rehabilitation confinement
- $50 per year wellness benefit when you complete an eligible health screening (e.g., annual well-woman, well-man exam)
What You Pay for Coverage
Premiums are paid from your paycheck with post-tax dollars. Your costs will be displayed on the Benefits Portal.
How to File a Claim
If you are admitted to the hospital, file a claim on the Prudential MyBenefits mobile app or online: mybenefits.prudential.com > Log In > My Claims > File a Supplemental Health Claim