One of the biggest perks of voluntary benefits is that they are, in fact, fully optional, so you can opt for the benefits that you truly want, rather than having Excelligence choose for you. This autonomy in your overall benefits plan and deciding what combination of benefits will best suit your lifestyle and your family needs adds value to working for Excelligence.Â
In addition to Basic Life and AD&D, you may purchase Voluntary Life and AD&D coverage at discounted group rates. The chart below describes the amounts of coverage you can buy for yourself, your spouse, and your child(ren). You must elect Voluntary Life for yourself in order to elect coverage for your dependents.
| Voluntary Life & AD&D | ||
|---|---|---|
| Coverage Level | Coverage Amount | Evidence Of Insurability/Proof if Good Health |
| Employee Only |
Increments of $10,000 not to exceed 5 times to your salary or $500,000 |
Required if electing courage equal to or greater than $150,000 |
| Spouse |
Increments of $5,000 up to $50,000 not to exceed 50% of employee coverage |
None |
| Child(ren) |
Increments of $2,500 to a maximum of $10,000 $500 for children birth to 6 months |
None |
Excelligence Learning Corporation offers all eligible employees the opportunity to purchase Short-Term Disability coverage through New York Life. The STD plan pays you a portion of your earnings if you are unable to work due to a non-occupational illness or injury.
| Short-Term Disability Benefits | |
|---|---|
| Benefits Begin | After 7 days of disability |
| Benefits Payable | 12 weeks |
| Percentage of Income Replaced | 60% of weekly earnings up to $1,390 |
Excelligence Learning Corporation offers all eligible employees the opportunity to purchase Long-Term Disability coverage through New York Life. The LTD plan pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury.
| Long-Term Disability Benefits | |
|---|---|
| Benefits Begin | After 90 days of disability |
| Percentage of Income Replaced | 60% of $6,000 per month until you recover or reach social security full retirement age |
Accident Insurance through New York Life Insurance Company provides you with extra financial protection when unexpected injuries happen. If you’re hurt in a covered accident, this plan pays cash benefits directly to you—helping cover costs that medical insurance may not fully pay.
You can use the money for anything you need, like medical bills, transportation, childcare, or everyday expenses. Coverage is available for you and your eligible dependents, giving you added peace of mind. This benefit is designed to support you during challenging times, so you can focus on recovery—not the cost of care. Enrollment is simple and convenient.
| Accident Benefits | ||
|---|---|---|
| Ground Ambulance | $400 | |
| Emergency Room Visit | $300 | |
| Urgent Care Visit | $200 | |
| Fractures | $600 - $9,000 | |
| Dislocations | $1,000 - $9,000 | |
| Rehabilitative Therapy | $50 per visit | |
| Inpatient Hospital Admission – Initial Day | $1,500 | |
| Inpatient ICU Admission – Initial Day | $3,000 | |
| Inpatient Hospital – Daily Benefit | $300 | |
| Wellness Benefit | $50 per employee and insured spouse | |
Critical Illness Insurance through New York Life Insurance Company provides you with added financial security when facing a serious health condition. If you’re diagnosed with a covered illness—such as cancer, heart attack, or stroke—you’ll receive a lump-sum cash benefit paid directly to you.
You can use this money however you need, whether it’s to cover medical expenses, household bills, or travel for treatment. This coverage helps ease the financial burden during a difficult time, allowing you to focus on recovery and your well-being. You can also choose to cover your eligible dependents, giving your family extra protection and peace of mind.
| Critical Illness Benefits | |
|---|---|
| Diagnosis | Initial Occurrence |
| Benign Brain Tumor | 100% of Coverage Amount |
| Cancer - Invasive | 100% of Coverage Amount |
| Cancer - Non-Invasive | 25% of Coverage Amount |
| Chronic Renal Failure | 100% of Coverage Amount |
| Coma | 100% of Coverage Amount |
| Coronary Artery Disease | 25% of Coverage Amount |
| Heart Attack / Heart Failure | 100% of Coverage Amount |
| Major Organ Failure | 100% of Coverage Amount |
| Stroke | 100% of Coverage Amount |
| Advanced Parkinson’s Disease | 100% of Coverage Amount |
| Advanced Alzheimer’s Disease | 100% of Coverage Amount |
| Health Screening Benefit | $50 per Employee and Insured Spouse |
| Guaranteed Issue Amount | $20,000 Plan |
| Employee | $20,000 |
| Spouse and Children | $10,000 |
Hospital Indemnity Insurance through New York Life Insurance Company gives you extra financial support when you’re admitted to the hospital. If you experience a covered hospital stay, you’ll receive cash benefits paid directly to you—not to a hospital or provider.
You can use this money for anything you need, from medical bills and deductibles to everyday living expenses. This coverage is designed to help reduce the financial stress that often comes with an unexpected hospital visit. You can also elect coverage for your eligible dependents, providing added protection and peace of mind for your whole family when it matters most.
| Hospital Indemnity Benefits | |
|---|---|
| Hospital Admission (1 day/plan yr) | $1,000 |
| Hospital Confinement (29 days/plan yr) | $200 |
| ICU Confinement (29 days/plan yr) | $400 |
| Inpatient Drug, Alcohol, Mental, Rehab (30 days/plan yr) | $150 |
| Daily Benefit – Annual Maximum | 30 Days |
MetLife Legal Plans offers you affordable access to a wide range of legal services. This voluntary benefit connects you with a nationwide network of experienced attorneys, making it easier to address personal legal needs without the stress of unexpected costs.
Through the plan, you can receive fully covered services for many common legal matters. This includes estate planning (like wills and trusts), real estate transactions, family law matters, traffic violations, and identity theft defense. The plan simplifies access to legal support with no deductibles, claim forms, or hourly limits for covered matters.
With trusted legal help just a phone call away, you can manage life’s legal events confidently and affordably. This benefit provides peace of mind, financial protection, and a reliable resource when legal questions arise. It’s designed to save time, reduce stress, and ensure you receive quality support when you need it most.
ID Watchdog is a comprehensive identity theft protection service designed to safeguard your personal and financial information. It continuously monitors credit bureaus, public records, and the dark web to detect signs of potential fraud. When suspicious activity is found, you’ll receive real-time alerts so you can act quickly.
In addition to proactive monitoring, ID Watchdog offers credit report tracking, identity theft insurance, and fully managed resolution services. This layered protection helps you stay ahead of identity threats and minimize potential damage.
If your identity is ever compromised, dedicated specialists will work directly with you to restore it. Their personalized support, combined with advanced monitoring tools, provides peace of mind and strong protection in today’s digital world.
Pet Insurance through Nationwide Mutual Insurance Company helps you protect your furry family members—and your wallet—when unexpected vet bills arise. With this coverage, you can choose your veterinarian and get reimbursed for eligible expenses related to accidents, illnesses, and preventive care.
You pay your vet directly, then submit a claim to receive reimbursement for covered services. Plans are flexible, so you can select the level of coverage that fits your budget and your pet’s needs. Whether it’s an emergency or routine care, this insurance helps you focus on your pet’s health, not the cost. You can even cover multiple pets.
