Income Protection

Short-Term Disability

You can use Short-Term Disability when you are unable to work due to a lengthy illness, a disabling injury, pregnancy or the birth of a child.

The following chart provides a brief overview of the Short-Term Disability coverage:
WordPress Table

Short-Term Disability is underwritten by Nationwide Life Insurance Company.

New Hampshire, New Mexico, Vermont and Hawaii residents are not eligible for Short-Term Disability.

Life and AD&D Insurance

Basic Life and Accidental Death and Dismemberment (AD&D) coverage can help ease the financial burden on your family in the event you are severely injured or paralyzed due to an accident or if you pass away as the result of an accident or illness.

The following chart provides a brief overview of the Life and AD&D Insurance available:
WordPress Table

Life and AD&D Insurance is underwritten by Nationwide Life Insurance Company.

New Hampshire, New Mexico and Vermont residents are not eligible for Life and AD&D Insurance.

How to Designate a Beneficiary

You can designate a beneficiary when you enroll for your benefits with The American Worker online at RHAWPbenefits.com or by calling 1.855.495.1192.

Critical Illness & Accident Insurance

The Critical Illness & Accident Insurance Package pays benefits if you’re diagnosed with certain conditions or suffer an accidental injury. Some expenses won’t be covered under a comprehensive health insurance plan, and Critical Illness & Accident coverage can provide supplemental payments to help ease the financial burden. You can elect coverage for yourself, your spouse or domestic partner and your children.

The following chart provides a brief overview of the Critical Illness & Accident Insurance coverage available:
WordPress Table

The Critical Illness & Accident Insurance Package is underwritten by Nationwide Life Insurance Company.

New Hampshire, New Mexico and Vermont residents are not eligible for the Critical Illness & Accident Insurance Package.

Critical Illness Benefit Description:

The plan pays a one-time, lump-sum benefit in the event an insured person is diagnosed with their first occurrence of end-stage renal failure, heart attack, life-threatening cancer, major organ transplant or stroke. The diagnosis must occur after the coverage is effective and while the policy is in force.

The plan pays 100 percent of the Critical Illness benefit if a covered person is diagnosed, after the effective date, with the first occurrence of any covered Critical Illness event, except cancer.

  • The plan pays only 10 percent of the Critical Illness benefit if a covered person is diagnosed with the first occurrence of cancer less than 90 days after the effective date of coverage.
  • If the cancer diagnosis occurs more than 90 days after the effective date, 100 percent of the Critical Illness benefit will be paid.
Print Friendly, PDF & Email