State of South Carolina
Voluntary benefit plans from American Heritage Life are available to State of South Carolina government employees through payroll deduction. Employees receive group rates, convenient payroll deduction, and portable coverage that stays with you. Enroll at any time, and in many cases, there are no medical questions to answer.
American Heritage Life Voluntary Benefits
A broken leg. A life‑altering diagnosis. Disability or even death. It’s hard to plan for these events — yet they happen every day, and when they do, they can disrupt not only your life, but your financial security as well. American Heritage Life supplemental insurance is an extra layer of financial protection that pays cash directly to you to help cover out-of-pocket expenses in the event of a covered accident or illness.
Your Voluntary Benefits Line-Up
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Accident Insurance
Treatment for a broken bone, a laceration or other accidental injury shouldn't deplete someone's bank account. But many medical plans only cover a portion of the costs. Accident Insurance pays in addition to major medical coverage that is already in place. This extra protection can help ease financial worries, so everyone can concentrate on getting better.
The Outpatient Physician’s Benefit rider adds a daily cash benefit up to $100 for any doctor visit outside the hospital.
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Cancer Insurance
Cancer Insurance from American Heritage Life pays cash benefits after a diagnosis of cancer or one of 29 other specified diseases. The benefit can help reduce financial stress during a difficult time and allow everyone to focus on treatment and recovery.
Can include additional treatment benefits, and an annual wellness benefit of $100 for completing routine screenings.
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Critical Illness Insurance
Critical Illness insurance from American Heritage Life can help protect the budget so everyone can focus on recovery.
Core health insurance doesn't always cover all the costs associated with a critical illness diagnosis and treatment. And it certainly doesn't help pay personal expenses that may accrue during recovery. Critical Illness Insurance can help, by paying cash benefits for a covered diagnosis in addition to any other insurance already in place. And, the cash benefits can be used for anything from hospital bills to groceries – there are no restrictions.
Includes an annual wellness benefit that pays $100 for completing a routine wellness screening.
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Hospital Indemnity
Hospital Indemnity Insurance pays cash benefits for covered expenses related to a hospital stay. People with this coverage submit claims after a hospital stay, and benefits are paid for approved expenses based on a pre-determined schedule of benefits. Includes coverage for hospital stays due to pregnancy.
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Short Term Disability Insurance
Employees choose a maximum monthly benefit amount that meets their needs. Then, if they are faced with a period of sickness or injury and cannot work, they'll receive cash benefits to spend as they see fit. Benefits are paid for total disability, maternity, partial disability, concurrent disability, and recurrent disability – and there is no elimination period or waiting period for a second instance of a previously covered disability.
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Whole Life Insurance
Life insurance pays a lump-sum cash benefit when the insured person dies or pays a benefit if the covered person lives to the designated maturity age. Add-on coverage riders can help give families more benefits, such as monthly advances for long-term care and chronic or terminal illnesses. Coverage amounts can vary to fit a family's needs and budget. At your initial enrollment, coverage is Guaranteed Issue up to a certain benefit amount, meaning there are no medical questions to answer to enroll in coverage.
Enrollment, Awareness & Claims
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Enroll online
Enroll and manage your benefits anytime, anywhere—plus, our expert counselors are here to help whenever you need support. Login Instructions
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Book Your Benefits Enrollment Session
Schedule a meeting with a licensed benefits counselor—by phone, Zoom, or in person—to explore your options, get your questions answered, and receive assistance with your enrollment.
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Boost Awareness with the Voluntary Benefits Flyer
Download the American Heritage Life voluntary benefits flyer and put it to work. Employees can share it with family and coworkers, and employers can distribute it across their teams. Add it to enrollment packets, new hire kits, break rooms, intranet posts—wherever people look for benefits info.
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File a Claim
MyBenefits, our 24/7 customer service portal, makes claim submission easy. And if you sign up for direct deposit, your benefit could be in your bank account in days!
To file a paper claim or learn more about the process, visit the Resources and Forms webpage to access detailed instructions and claim forms.
State of SC Payroll Deduction
After enrollment, employees must log in to SCEIS Central and enter their voluntary recurring payroll deduction using SCEIS payroll code 2000 - American Heritage Life.