While our medical plans handle the big picture, voluntary benefits are here to protect your paycheck and your peace of mind when life throws an unexpected curveball.
These plans pay cash directly to you, helping cover costs that medical insurance won’t, so you can stay focused on your health (and your family, including the furry ones!).
These coverages are available to you, your spouse, and your dependent children. However, employees must have coverage for their spouse and children to obtain coverage.
Accident Insurance
No one plans for an accident, but Thrive Restaurant Group plans for your financial security. Our Guardian Accident Insurance provides a cash payment directly to you when a covered injury occurs, filling the gaps left by your medical plan. This financial cushion helps you recover without stress.
See a sample of payments below, and find complete details in the Summary of Benefits.
| Accident Insurance | ||
|---|---|---|
| 2nd Degree Burns | $400 - $2,000 | |
| Ground Ambulance | $300 | |
| Closed Fractures | $100 - $4,000 | |
| Outpatient Surgical Expenses | $300 | |
| Broken Tooth | $125 -$400 | |
| Emergency Room Visit | $200 | |
Critical Illness Insurance
The signs pointing to a critical illness are not always clear and may not be preventable, but our coverage can help offer financial protection in the event you are diagnosed. Guardian’s group voluntary critical illness coverage provides a lump-sum cash benefit to help you cover the out-of-pocket expenses associated with a critical illness.
See a sample of illnesses and screenings covered below, and find complete details in the Summary of Benefits.
| Critical Illness | ||
|---|---|---|
| Sample Illnesses Covered | Sample Screenings and Biopsies Covered | |
| Skin cancer | Cancer biopsies | |
| Cardiovascular diseases | EKG & EEG | |
| Heart attack & Stroke | Mammogram | |
| Tuberculosis | Colonoscopy | |
| Kidney failure | Chest X-ray | |
| Multiple Sclerosis | Lipid panel | |
Hospital Indemnity Insurance
Important: This is a fixed indemnity policy, NOT health insurance.
Hospital Indemnity helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth* (elective surgeries excluded).
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized.
You’re still responsible for paying the cost of your care. Keep in mind:
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
For a list of benefits, including exclusions and limitations, see the Hospital Indemnity Summary of Benefits.
| Hospital Indemnity | ||
|---|---|---|
| Hospital / ICU Admission | $1,500, max of 2 admissions per year, per insured | |
| Hospital Daily Stay | $200, max of 15 days per year, per insured | |
| ICU Daily Stay | $400, max of 15 days per year, per insured | |
| *Guardian will pay benefits due to Childbirth for any Insured within the first nine months after the Insured’s Coverage Effective Date. Childbirth or Complications of Pregnancy will be covered to the same extent as any other Covered Sickness. Newborn hospital stays are not payable unless admitted to Neonatal ICU | ||
| Who can get coverage? | ||
| You | If you’re actively at work | |
| Your spouse | Can get coverage as long as you have purchased coverage for yourself | |
| Your children | Dependent children & newborn until their 26th birthday | |
This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. Keep in mind:
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
For a list of benefits, including exclusions and limitations, see the Hospital Indemnity Summary of Benefits.
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