Voluntary Benefits Through The Standard
The Standard voluntary benefits are designed to help protect your finances when unexpected health events occur. These plans pay cash benefits directly to you, regardless of any other insurance you have. You can use the money however you choose—medical bills, household expenses, transportation, or time away from work.
Benefits from The Standard are voluntary and 100% employee‑paid through payroll deductions. You can view your benefit premiums in Workday during the enrollment event. Since costs vary based on the plan, your coverage level, and who you enroll, your premium will be tailored to your specific selections. For general rate information at any time, search “Employee Premiums” in the Workday search bar. Be sure to review your elections to see your exact cost.
Accident Insurance
Program Overview
Accident Insurance pays cash benefits for injuries and services related to a covered accident, helping offset out‑of‑pocket medical costs that may not be fully covered by your medical plan.
Eligibility
- Available to eligible MTM employees
- Coverage options typically include employee, spouse, child(ren), or family
Waiting Period
- Coverage begins after plan eligibility requirements are met
How Benefits Are Paid
Accident Insurance pays set dollar amounts based on the type of injury or service received. Benefits are paid per event and may include:
- Emergency room visit: $100–$300
- Hospital admission due to an accident: $500–$2,000
- Fractures (amount varies by bone): $100–$5,000
- Dislocations: $200–$4,000
- Ambulance services: $100–$500
- Physical therapy follow‑up visits: $25–$75 per visit
- Burns or lacerations: benefit amount varies by severity
Who Pays
- Employee‑paid voluntary coverage
Why Consider Accident Insurance
- Helps with deductibles and coinsurance
- Pays cash directly to you
- Covers costs that arise suddenly after an accident
Critical Illness Insurance
Program Overview
Critical Illness Insurance provides a lump‑sum cash payment if you or a covered dependent is diagnosed with a covered critical illness.
Eligibility
- Eligible MTM employees
- Dependent coverage typically available if employee enrolls
Waiting Period
- Coverage begins after plan eligibility requirements are met
How Benefits Are Paid
If diagnosed with a covered condition, Critical Illness Insurance pays a one‑time lump sum, often selected by the employee in increments.
Covered conditions commonly include:
- Heart attack
- Stroke
- Cancer
- Major organ failure or transplant
- Coronary artery bypass surgery
Some plans may also offer recurrence benefits if the illness reoccurs after a specified period.
Who Pays
- Employee‑paid voluntary coverage
Why Consider Critical Illness Insurance
- Helps protect savings during serious illness
- Cash can cover medical bills, time off work, travel, or childcare
- Provides flexibility at a financially stressful time
Hospital Indemnity Insurance
Program Overview
Hospital Indemnity Insurance pays cash benefits when you or a covered dependent is hospitalized, regardless of the reason.
Eligibility
- Eligible MTM employees and covered dependents
Waiting Period
- Coverage begins after plan eligibility requirements are met
How Benefits Are Paid
Hospital Indemnity pays fixed daily or per‑event amounts, such as:
- Hospital admission: $1,000–$2,500 per admission
- Daily hospital confinement: $100–$300 per day
- ICU confinement: $200–$500 per day
Benefits are paid in addition to your medical insurance and can help cover:
- Hospital deductibles
- Coinsurance
- Travel or lodging expenses
- Lost income or household bills
Who Pays
- Employee‑paid voluntary coverage
Why Consider Hospital Indemnity
- Hospital stays are expensive—even with insurance
- Daily benefit payments can add up quickly
- Cash can be used for medical or non‑medical needs
Allstate Identity Protection – Pro+ Cyber Plan
The Allstate Identity Protection Pro+ Cyber plan provides comprehensive protection for your identity, finances, and personal devices—helping you live your digital life with greater confidence. This plan combines best‑in‑class identity theft protection with advanced cybersecurity tools that safeguard your computers, smartphones, tablets, and home networks against today’s most common online threats.
Program Overview
Pro+ Cyber is designed to protect both who you are and how you connect online. Members can enroll up to five personal devices (or up to ten devices with a family plan) and receive ongoing monitoring, alerts, and expert assistance to prevent, detect, and resolve identity and cyber threats.
The plan provides protection before problems occur—and full support if identity fraud or cybercrime happens.
Identity Protection & Monitoring
Allstate Identity Protection continuously monitors for signs of identity theft and financial fraud and alerts you at the earliest indication of suspicious activity.
Key features include:
- Dark web monitoring for exposed personal information such as Social Security numbers, account credentials, financial data, medical IDs, and more
- Credit monitoring and alerts for new credit inquiries, account activity, collections, or bankruptcy filings
- High‑risk transaction monitoring, including wire transfers and electronic document signatures
- Financial account monitoring for bank accounts, credit and debit cards, retirement accounts, and investments
- Social media account takeover monitoring to detect suspicious activity on linked accounts
- Identity Health Status, providing a snapshot of your current identity risk with monthly updates and proactive insights
Cyber & Device Protection
Pro+ Cyber includes robust security features that help protect your devices and online activity:
- Antivirus protection against malware, viruses, ransomware, and spyware
- Safe browsing and phishing protection, using AI to scan links before you click
- Military‑grade VPN, encrypting your internet activity on public or private networks
- Home Wi‑Fi and network security to protect connected devices
- Password manager to securely create, store, and autofill passwords and payment information
- Anti‑tracker and ad‑blocking tools to limit data collection and unwanted advertising
- Safe Pay technology for secure online banking and shopping sessions
Identity Theft Recovery & Reimbursement
If identity theft or fraud occurs, Pro+ Cyber provides best‑in‑class restoration support:
- 24/7 access to US‑based identity specialists who fully manage the recovery process
- Full‑service remediation, including credit freezes, dispute assistance, and account restoration—even if the incident occurred before enrollment
- Up to $1 million in identity theft reimbursement, covering stolen funds and eligible out‑of‑pocket expenses such as home title fraud, professional fraud, unemployment fraud, investment account theft, and ransomware expenses (excluding ransom payments)
- Family plan reimbursement up to $2 million when enrolled in a family plan
Family Protection & Digital Safety
Pro+ Cyber offers broad family coverage, protecting household members and financially dependent relatives, including older parents and grandparents ages 65+.
Family plan features may include:
- Family digital safety tools to help parents manage screen time, web filtering, content monitoring, and location tracking for children’s devices
- Elder Fraud Center, providing dedicated support and resources to protect older family members from scams
Additional Features
- Lost wallet protection, allowing you to securely store and retrieve critical information
- Emergency cash reimbursement if your wallet is stolen
- Robocall blocking and solicitation reduction tools to help reduce scams and unwanted calls
- Mobile app and online portal for easy access to alerts, claims, and support anytime
Why Choose Pro+ Cyber?
- Protects identity, finances, and devices in one plan
- Early fraud detection with real‑time alerts
- Industry‑leading reimbursement and recovery support
- Whole‑family protection, including seniors and children
- 24/7 expert assistance when you need it most
Important Note:
Features, coverage, and reimbursement limits are subject to policy terms, conditions, and exclusions. Some features may require additional activation and may vary by plan type.
Whole Life Insurance with Long‑Term Care Rider
The Standard Group Whole Life Complete policy helps protect your family financially while also preparing you for the high cost of long‑term care. This unique benefit combines permanent life insurance, access to long‑term care benefits, and cash value accumulation—all in one policy designed to support you through every stage of life.
This is a voluntary benefit, with premiums paid by the employee through payroll deductions.
Program Overview
Group Whole Life Complete provides three layers of protection:
- Whole Life Insurance – Pays a guaranteed death benefit to your beneficiary
- Long‑Term Care Access – Allows you to use a portion of the death benefit to help pay for long‑term care if needed
- Cash Value – Builds over time and can be accessed for financial needs
This coverage helps protect the money you’ve saved for retirement from being depleted by long‑term care expenses.
Eligibility
- Available to eligible MTM employees
- Coverage may also be elected for a spouse
- Policies can be issued to employees and spouses up to age 70
- Coverage is portable, meaning you can keep it if you retire or leave MTM
Waiting Period for Long‑Term Care Benefits
- A 90‑day waiting period applies before long‑term care benefits begin
- Once the waiting period is met and eligibility is certified, monthly benefits may start
How the Long‑Term Care Rider Works
If you require qualified long‑term care services, you may receive monthly payments from your life insurance death benefit to help cover care expenses. A licensed healthcare practitioner must certify that you are unable to perform at least two Activities of Daily Living (ADLs) or require supervision due to cognitive impairment.
Qualified Long‑Term Care Includes:
- In‑home care
- Adult day care
- Assisted living facility care
- Nursing home care
Benefit Highlights
Life Insurance Benefits
- Guaranteed death benefit paid as a lump sum
- Death benefit may pass to your beneficiary tax‑free
- Guaranteed rates that do not increase over time
- Premiums are affordable and payable until age 95
Long‑Term Care Benefits
- Accelerates a percentage of the death benefit monthly for qualified care
- Includes Restoration of Benefits and Extension of Benefits, which:
- Replenish the death benefit after a long‑term care claim
- Extend the period during which benefits may be paid
Cash Value
- Builds the longer you keep the policy
- Can be accessed in the event of a financial emergency
- May be converted to paid‑up coverage or withdrawn if premium payments stop later in life
Who Pays
- This is a voluntary benefit
- Employee‑paid, with premiums deducted from payroll
- Rates are based on age at the time coverage becomes effective and are guaranteed not to change
Why Consider This Coverage
- Long‑term care costs can exceed $100,000 per year
- In‑home care averages $20 per hour
- Many people require long‑term care for 2–4 years
Group Whole Life Complete helps protect your retirement savings while providing financial security for both death and lifetime care needs.
Important Notes
- Long‑term care benefits are not paid for pre‑existing conditions during the first six months
- Certain exclusions apply, including services covered by Medicare or resulting from excluded conditions
- All benefits are subject to the terms, conditions, and exclusions outlined in the policy certificates