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ACCIDENT PLAN
Available to members and their families. This policy helps offset loss of income due an accident. Coverage is provided for accidents that occur on or off the job.
HOSPITAL INDEMNITY
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
CRITICAL ILLNESS INSURANCE
Available to members and their families. The Aetna Critical Illness plan can help you protect your finances. It provides a lump sum cash benefit to you of either: $15,000, $25,000, or $50,000, dependent on what coverage amount you choose.
This cash benefit is paid directly to the insured member when you or a covered family member is diagnosed with a covered serious condition. This plan covers such conditions like heart attack, stroke, cancer, organ failure, end stage renal failure, coronary artery bypass, Alzheimer's disease, loss of sight, speech or hearing, coma, paralysis, severe burns, and/or benign brain tumor.
You can use the money to help cover your deductible or everyday expenses like utility bills, mortgage payments or rent, day care and groceries. It’s up to you.
CANCER INSURANCE
Provides coverage for pre-existing conditions.
Can pay benefits that help you with the costs of a covered hospital visit.
TERM LIFE INSURANCE
Available as an active full time member working 20 or more hours per week, your spouse under the age of 70, your unmarried children ages 14-19 years (to age 25 if full-time student), and handicapped children over the age of 19 are eligible for coverage.
WHOLE LIFE INSURANCE
+Long Term Care Rider
Coverage available for members, spouse, dependent chidren under age 26, and grandchildren under age 16. Cost will never go up. Death benefit will never go down.
LIFETIME BENEFIT TERM
Family Protection - Guaranteed - Plus Benefits for Long Term Care (LTC)
Members - Guaranteed Issue up to $100,000
Spouse - Guaranteed Issue up to $30,000
(Spouse can have no more than 50% of members amount)
Dependent Child – Child Term Rider for $10,000 for additional cost of $4.18 per month.
Eligibility Age: Member (19-70), Spouse (19-60), Child (15 days - 26 years and can be converted up to 5X)
Guaranteed Premiums
Life insurance premiums will never increase and are guaranteed through age 121.
Guaranteed Benefits - During the Working Years
Death Benefit is guaranteed during the working years when a family is relying on income. While the policy is in force, the death benefit is guaranteed for the longer of 25 years or through age 70.
Guaranteed Benefits - After Age 70
After 70, the death benefit is guaranteed to never be less than 50% of original death benefit.
Paid-up Benefits
After 10 years, paid-up benefits begin to accrue. At any point after, if a member stops paying premium, a reduced paid-up benefit is issued and can never lapse.
Benefits for Long Term Care
Pays death benefits in advance for home health care, assisted living, adult day care, and nursing home care.
ID THEFT PROTECTION
33% of Adults have experienced some form of Identity theft. There is a new victim of ID theft every 2 seconds. EBS is here to help! We have negotiated with Frontline Identity to provide our members with 1 free year of ID Theft protection. *You must call to enroll or complete our enrollment form.
Need help with Self-Enroll?
Watch the video below for simple step-by-step instructions on how to Self-Enroll.