Supplemental Health Plans

Extra peace of mind with added financial protection for you and your family.

Supplemental Health Plans, administered by Securian Life Insurance Company, help cover extra out-of-pocket expenses if you suffer an unexpected covered serious illness or accident. These benefits are deducted from your paycheck on a post-tax basis, allowing any benefits you receive to be tax-free. And the best part? You decide how to use the benefits you receive. For example, you may choose to use payments for out-of-pocket medical expenses, childcare, groceries, or car payments.

Click on the buttons below or scroll the page to explore more.

Accident Insurance

Accidents can happen when you least expect them. While you can’t plan for when an accident will occur, you can protect yourself financially. Accident insurance provides a lump-sum cash payment directly to you after an off-the-job accident, and you decide how to use the benefit. You have the choice between the Basic Plan and Premium Plan.

Examples of covered accidents include:

  • Burns
  • Child organized sports injury (live birth to 18 years)
  • Concussion
  • Dislocation
  • Eye injury
  • Paralysis
  • Eye injury
  • Fracture

Examples of covered care includes:

  • Ambulance
  • Emergency care
  • Emergency room treatment
  • Emergency dental
  • Surgery
  • Rehabilitative therapy
  • Follow-up care

Critical Illness Insurance

Being diagnosed with a new critical illness or condition can be stressful and scary. Critical Illness Insurance helps support you financially so you can focus on what matters most — getting better. This plan pays a lump-sum cash payment directly to you after the new diagnosis of a covered critical illness or condition(s). You have the choice between a $15,000 and $30,000 coverage option. Please note, child coverage is equal to 50% of the employee-elected amount.

Examples of newly diagnosed covered conditions include:

  • Cancer
  • Heart attack
  • Kidney failure
  • Loss of hearing/speech
  • Paralysis
  • Stroke
  • Major organ failure

Child conditions covered include:

  • Cerebral palsy
  • Cleft lip or cleft palate needing surgery
  • Down syndrome
  • Muscular dystrophy
  • Sickle cell anemia
  • Spina bifida
  • Type 1 juvenile diabetes (prior to age 26)

Hospital Indemnity Insurance

Hospital Indemnity Insurance provides a lump-sum payment in the event of a hospital stay due to sickness or accident, including pregnancy. This plan is meant to supplement any current health insurance coverage you may have. You have the choice between the Basic Plan and Premium Plan.

Examples of covered benefits include:

  • Hospital stay or admission
  • Proactive labor and delivery
  • Substance abuse treatment (inpatient)
  • Mental health treatment (inpatient)

Contact Information

Securian Life Insurance Company


File a Claim

Call 800.328.9442

  • Select “Employer” under “Report a new claim”
  • Select “Start a new claim”


Health and Wellness Benefit

You and your covered dependent(s) are eligible to receive a $50 benefit for a wellness screening each year if you are enrolled in the Critical Illness and/or Accident Insurance. There is a maximum of one $50 benefit payment per person, per year.

Examples of screenings include:

  • Annual physical exam
  • Colonoscopy
  • Mammogram
  • Human Papillomavirus (HPV) vaccination

A full list of screenings can be found on