Accident Recovery | PHFCU

An accident can change everything in the blink of an eye. The costs of dealing with a life-altering accident can be overwhelming for those who are unprepared. Bills can pile up quickly, linger for years after an accident, and have a lasting effect on everyone in the household. USAble Life’s Accident Plan offers you an additional layer of financial protection and pays you directly in the event of a covered accident.

Presentation: Accident Recovery (24HRB)

Please refer to the online enrollment site, AccessAble, for premiums.

Critical Illness + Cancer | PHFCU

If you were recently hired and this is your first Open Enrollment, you may apply for Critical Illness + Cancer coverage for your self, spouse and child(ren) with no medical questions asked!

Every few seconds, an American suffers a heart attack or is diagnosed with cancer. The impact this can have on you and your family’s finances can be devastating. The copayments and the expenses that aren’t covered by major medical insurance eat away at savings as well as the belief that things can get better. Critical Illness + Cancer coverage helps with the nonmedical costs that come with such devastating diagnoses, including travel, childcare, and other unexpected expenses.

Presentation: Critical + Cancer (NHGI)

Please refer to the online enrollment site, AccessAble, for premiums and guaranteed issue coverage amounts available.

Hospital Confinement | PHFCU

If you were recently hired and this is your first Open Enrollment, you may apply for Hospital Confinement coverage for your self, spouse and child(ren) with no medical questions!

Over the course of a prolonged hospital stay, savings may be put at risk simply to cover a variety of deductibles and co-payments. For many, turning to other family members and friends for help may seem like the only option to pay for expenses not covered by traditional insurance.

Hospital benefits can provide a reassuring layer of financial protection to you and your family by paying cash to cover unexpected expenses in the event of hospitalization.

Presentation: Hospital Confinement (3NHGIS)

Please refer to the online enrollment site, AccessAble, for premiums.

Voluntary Group Term Life / Voluntary Accidental Death | PHFCU

If you were recently hired and this is your first Open Enrollment, you may apply for VGTL for your self, spouse and child(ren) with guaranteed issue.

Voluntary Group Term Life (VGTL) insurance is the least expensive form of life insurance. Benefit is paid to the beneficiary when a covered individual dies, providing financial security in the event of an unforeseen death.

Voluntary Accidental Death & Dismemberment (VADD) insurance provides benefits if the cause of death or dismemberment is due to an accident-related incident. Affordable supplement to life insurance.

Presentation: VGTL / VADD (10030GTLA+)