Guardian - new voluntary benefits option - Fall 2023
Enrollment
All enrollments will be made via Employee Navigator. (How to Enroll - Employee Navigator)
Log into Employee Navigator to enroll for all your voluntary employee benefits.
Company Identifier: lynnma
LIFE INSURANCE
Life Insurance helps protect your family’s finances by providing a cash benefit if you pass away.
SHORT TERM DISABILITY INSURANCE
Disability Insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.
Disclaimer:
Short-Term Disability (STD) benefits are designed to provide partial income replacement during eligible unpaid absences from work. Please note:
- Elimination Period: Benefits begin after the elimination period (15/30 day), which is included in the benefit timeframe. (Example: A maternity benefit period is typically 6 weeks from the date of birth. The STD benefit would kick in after the elimination period)
- Salary Continuation Offset: If you receive salary continuation, sick pay, or other employer-paid compensation during the benefit period, the STD benefit may be reduced accordingly.
- Benefit Calculation: STD benefits cover up to 60% of weekly earnings, capped at $750 per week, subject to offsets.
Employees are encouraged to review their benefits carefully to understand potential offsets and elimination periods. For questions or further clarification, contact Guardian at (888) 600-1600.
CRITICAL ILLNESS INSURANCE
Critical illness insurance is a supplemental policy for people who already have health insurance. It provides you with an additional payment to cover expenses like deductibles, treatments, and living costs. Critical illnesses include strokes, heart attacks, Parkinson’s disease and cancer. Policies cover over 30 major illnesses.
ACCIDENT INSURANCE
Accident Insurance pays you lump sum of benefits after you suffer an accident, including: emergency treatment, ambulance, burns, dislocations, fractures, hospital confinement, and surgery.
HOSPITAL INDEMNITY INSURANCE
If you are admitted to a hospital for a covered sickness or injury, you’ll receive payments that can be used to cover costs, including:
- Deductibles and co-pays
- Travel to and from the hospital for treatment
- Childcare service assistance while recovering
Click below to learn more about your Guardian benefits!
Accident Insurance
Critical Illness Insurance
Short Term Disability Insurance
Hospital Indemnity Insurance
Life Insurance
Why should you take advantage of this opportunity?
- Affordable group rates that you may not get outside of work
- Simple enrollment takes just a few minutes
- Payments can come automatically out of your paycheck
- Claims are paid quickly
Get started: Visit bluehorizonbenefits.com/cityoflynn to enroll for all your employee benefits. Company Identifier: lynnma Group ID number: 054679
Questions? Call Guardian at (888) 600-1600 - Weekdays, 8 AM - 8:30 PM
How do I Submit a qualifying life event in Employee Navigator? Click here for instructions.