Voluntary benefits are designed to provide employees with the opportunity to supplement or add to the basic benefit offerings provided by FMH. In addition, Voluntary Benefit options provide benefits to those who are not afforded coverage under our basic benefits (such as short term disability or life insurance for our part-time employees budgeted for 40 or more hours bi-weekly). It allows employees the convenience of payroll deduction and the benefit of group purchasing power which results in a lower cost than if you were to purchase coverage individually.
The descriptions in this section are plan highlights to provide you a summary to help you understand the insurance coverage when purchasing or owning a policy. This information is not intended to be a complete description of the insurance coverage available. The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. Please refer to the policy for a complete plan description. If the terms of this plan highlight summary differ from your policy, the policy will govern.