What are Supplemental Benefits?

Supplemental Benefits provide monthly income if you’re out of work due to illness or injury, on or off the job. Workers Comp doesn’t do that!

It’s your money!

Benefit payments can be used for whatever you want, such as
out-of-pocket medical care costs,
home healthcare,
home expenses,
babysitting costs,
travel to and from treatment facilities,
rehabilitation,
the list is almost unlimited!


Direct payment to you.

Get Big Rewards with Supplemental Benefits!

Accident Insurance

Group Accident Insurance provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.

Hospital Indemnity Insurance

Hospital Indemnity Insurance pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. The plan fills in potential gaps created by rising deductibles, co-payments and out-of-pocket expenses not covered by your health plan. Benefits are paid directly to you regardless of what your primary insurance covers – there is no coordination of benefits. 

Critical Illness Insurance

Critical Illness Insurance helps protect families and their assets when employees are most vulnerable: during the working years.

Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness or an occurrence of a different critical illness, up to the maximum payment.

Disability Insurance

Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can’t count on Workers Compensation to be there for you and your loved ones.

Disability Insurance will pay you a monthly payment that you can spend however you wish, plus if you become disabled again within 180 days of returning to work, the elimination period is waived, and benefits are immediately available for up to the remaining benefit from the previous disability.

Whole Life Insurance

We all worry about leaving behind financial obligations in case of an unexpected death. Life Insurance can help your family continue the goals and dreams you shared together.

Over half of U.S. households rely on 2 incomes (54%), and, for many losing one income could be devastating.

With our Whole Life plan, a 35-year-old man can get a $100,000 policy for just $25 a week. That amount of money will help alleviate the stress your family is feeling at a time of grief.

Group Accident Insurance provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.

This value packed plan also gives you these extra features at NO cost:

  1. $75 Wellness benefit payment. You will get paid $75 for submitting your wellness screenings* – every year!
  2. Youth Organized Sports Benefit.
    • This benefit will help pay for the medical and dental costs typically incurred with youth sports injuries, or anything else you might need financial help with!
    • If your dependent child (Age 18 or younger) is participating in an Organized Sports Event or scheduled practice and is injured, you’ll receive benefit amounts as stated in the product brochure below.
    • The plan will pay an additional 25% of the total benefit paid for the covered accident, not to exceed $1,500.
Even minor accidents can put you out of work! Be prepared with an Accident Insurance plan!

  • Accident Insurance provides 24 Hour Coverage for accidents on and off-the-job..
  • Plans are Guaranteed Issue, meaning there are no medical questions to answer to enroll in coverage.
  • Benefits are paid directly to you and can be used for whatever you want.

4 facts about benefits that make them so easy to use!

Direct payment

Supplemental benefit plans pay the policyholder directly, in the form of checks or direct deposit, if you cannot work due to an injury and/or critical illness.

Guaranteed Acceptance

All supplemental benefit plans administered by Forza are what is known as Guaranteed Issue, during Open Enrollment. You cannot be denied coverage.

Benefits are portable and flexible

All supplemental benefit plans are made portable. This means that if the policyholder leaves their workplace or retires, they can keep their policy.

Rates are locked in

All supplemental benefit plans are made portable. This means that if the policyholder leaves their workplace or retires, they can keep their policy.

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