Are you as protected as you think?

couple riding bikes

If you were suddenly sidelined with an illness or injury, would you be prepared?

  • How could your lifestyle change? What could you be forced to sacrifice? Hobbies, travel plans, or your built-up assets?
  • What about your dependents? Do family members depend on your support? If you’re ill or injured, could they continue their lifestyle?
  • How far will your savings go? A severe injury or illness could have you out of work for an extended period. How will your current responsibilities be impacted?

Supplemental insurance can help fill the gap

Depending on the policy, supplemental insurance can provide additional money for both medical and non-medical expenses associated with injuries and sicknesses.

Why is that important? Consider this: Based upon an American Heart Association study, medical insurance only covers 47% of the cost of a covered illness. That means the other 53% of the cost of a covered illness are items not covered by most medical plans.*

Things like:

  • Loss of income
  • Transportation costs
  • Childcare expenses
  • Deductibles
  • Co-insurance
  • Food and lodging

How do I know if I need supplemental insurance?

The following questions may be helpful when considering how supplemental insurance may be a part of your insurance strategy and fit your unique needs.

  • If you or a family member were in an accident or developed a serious illness, will your current health plan satisfactorily cover the associated costs?
  • Could you cover the out-of-pocket costs required under your current health plan?
  • Do you have a plan for additional expenses that could go along with being sick or being out of work?

If you decide to investigate supplemental insurance further, pay attention to the limitations and available benefits of the policies you consider. If you’d like more information, talk to your Horace Mann representative.

*Calculated from Total Cost of Coronary Heart Disease. Cardiovascular Disease: A Costly Burden For America – Projections through 2035. 2017, American Heart Association.

National Teachers Associates Life Insurance Company, a Horace Mann Company, underwrites Horace Mann supplemental insurance products. Not all products available in all states.

WBTL-0807 (June 20)

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