State of South Carolina

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.

Cancer Insurance from The Standard 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.

Critical Illness insurance from The Standard 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.

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.

​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.

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.