Supplemental Benefits

Individual Life, Disability, Long Term Care & Other Benefits to Augment Your Health Insurance

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Life or Final Expense Quote
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Critical Illness, Disability or Accident Quote
What is CRITICAL CARE & ACCIDENT insurance?
What is DISABILITY & Long Term Care insurance?
About DENTAL, VISION & TeleMedicene
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Supplemental insurance is a smart way to manage health costs and financial risk.

Supplemental insurance policies are purchased on an individual basis and pays benefits directly to the insured, which can be used to cover costs associated with illnesses and/or an unforeseen tragedy that regular health insurance just doesn’t cover.

Life Insurance & Annuities

Life Insurance provides peace of mind knowing that your loved ones will be protected financially when they no longer have your income.

Permanent Life Insurance pays a death benefit to the beneficiary, however also builds up a cash value that may be borrowed against or used as a tax deferred investment income.

Term Life Insurance does not build a cash value, however pays a lump sum to the beneficiary upon death of the insured.

Final Expense Insurance policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.

Annuities are investment contracts offered by highly-rated carriers that help you grow your savings and retirement portfolio, often providing income that you cannot outlive


Additional Supplemental Insurance

Critical Illness, Recovery Care, Hospital Indemnity & Living Benefits are all types of Supplemental  Insurance that will pay benefits directly to you or your loved ones when you develop a critical illness such as cancer, or you suffer a stroke or heart attack, or you are confined to a hospital for an extended or terminal illness.  The cash payment helps with out-of-pocket expenses, covers your bills when you are off work and additional medical expenses not covered by regular health insurance, LTC or disability.  The coverage is usually a set amount, depending on the benefit level selected.

Accidents can happen anytime.  Accident insurance helps to protect you from financial hardship due to a great deal of medical and out-of-pocket expenses that follow accidental injuries. Emergency treatment, hospital stays, medical exams, transportation and lodging needs are just a few of the expenses that accident insurance can help cover. Some policies can even pay benefits in as little as a day, based on time of claim submission.

When you need LTC, you need specific coverage to pay for LTC services, as they are generally not covered, or covered minimally, by health insurance, Medicare or Medicaid, or even Disability. The cost of LTC can quickly drain a large estate and burden those closest to you both financially and emotionally.  While reducing the financial impact on you and your loved ones, Long-Term Care insurance can enable you to maintain control of your care and your choice of facilities, preventing welfare or the government from making LTC decisions for you.  here are examples of what LTC policies may cover:

Institutional Care: Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.

Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.

Disability Insurance protects your most valuable asset during your working years, which is your ability to earn a living.

During the time you are unable to work due to a qualifying disability (illness or injury), the disability insurance replaces your regular income through a monthly benefit in order to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors to determine your cost and monthly benefit payment amount.

Self-employed individuals and employees not offered disability insurance through their employer can purchase their own policies.

Those who have disability insurance through their workplace may wish to consider a “wrap around” disability policy to supplement their employer-provided coverage.

Short Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until the individual recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.

Long Term Disability generally allows for income payments to begin after about a 90-day waiting period. The waiting period could be longer depending on the policy, however it will continue to pay far longer than STD–for a few years, up to age 65, or even for life.

Stand alone dental plans that cover a variety of diagnostic, preventative care and corrective services.

Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.

Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.

Vision Plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

Short-term health insurance is a temporary plan (generally up to 11 months) for individuals who are in between employers or simply don’t have health insurance. Note that temporary policies will not cover pre-existing conditions, nor do they contain the minimum essential coverage required under the Affordable Care Act (also called Obamacare).

A new and popular cost saving strategy to help promote wellness. You can connect to a licensed doctor by phone, within minutes. Get the same care and pay only a fraction of an office visit.

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We are not just selling policies, we provide clients with peace of mind and financial protection, at the most competitive rates. You can trust Toubin Insurance Agency to analyze your specific needs and recommend coverage that only fits your unique circumstances and budget.