New for 2027: Supplemental coverage will be administered by Guardian.
Supplement your medical coverage with critical illness, accident, and hospital indemnity insurance. These plans pay a cash benefit you can use however you’d like, and you can take this coverage with you if you leave IMI.
If you experience a covered condition, critical illness insurance pays a lump cash benefit to use however you need — to cover your medical plan deductible, everyday living expenses, or anything at all. Coverage is available for you, your spouse, and your dependent children through Transamerica.
Coverage includes a broad range of serious conditions, including cancer, heart attack, stroke, end-stage renal failure, and more.
The amount you’ll receive depends on the specific option you enroll in and the specific illness you experience.
Your paycheck costs are based on your age and the benefit amount you elect. The higher the benefit amount, the higher your rate. You can see specific amounts when you enroll.
Here’s an example of how it works in real life:
If you’re injured in an accident, this insurance pays a lump sum cash benefit to use however you need — to cover your medical plan deductible, everyday living expenses, or anything at all. Coverage is available for you, your spouse, and your dependent children through Transamerica.
Benefits cover a broad range of accidental injuries, including injuries from falls, car accidents, sports-related accidents, and more.
The amount you receive depends on the plan option you select, and the type of injury and treatment. Benefits are paid directly to you based on a schedule of covered injuries and treatments.
Paycheck costs are based on the coverage level and the number of family members you cover. You can see the specific rates when you enroll.
Here’s an example of how it works in real life:
If you’re hospitalized for a covered injury, sickness, or pregnancy, this insurance pays a lump sum cash benefit to use however you need — to cover your medical plan deductible, everyday living expenses, or anything at all. Coverage is available for you, your spouse, and your dependent children through Transamerica.
This insurance provides coverage if you’re confined in a hospital for an eligible injury or sickness. Hospitalization for pregnancy is covered for employees and spouses (not for dependent children).
Coverage pays a daily benefit for each day you’re in the hospital. The amount of the daily benefit depends on the coverage option you choose.
Your paycheck costs vary based on the plan option you select and the number of family members you cover. You can see your specific rates when you enroll.
Here’s an example of how it works in real life:
All three plans are portable. That means you can convert your coverage to an individual policy and take it with you if you leave IMI.
