Voluntary Products

Chimienti & Associates Insurance Services offers the  following voluntary benefits through payroll deduction on a pre and post-tax basis.  These voluntary benefits are 100% employee paid. For more infrmation about these benefits Chimienti & Associates at 559-733-1670.

Hospital Gap Insurance

NexStep – NexStep is a low-cost program designed to help you pay for covered out-of-pocket expenses you may incur while you are either confined in a hospital or being treated as an out-patient for an injury or an illness. This plan features two benefits; an Inpatient Benefit for up to $1,000 and an Outpatient Benefit for up to $1,000.

Short Term Disability

American General – Disability income insurance can help you pay your bills by replacing a portion of your income – should you suddenly be unable to work due to an illness or injury. The benefit from your Disability Income insurance can help you continue to pay bills while you recover.

Universal Life Insurance

Transamerica – Permanent Life Insurance with coverage lasting up to Age 100. Includes living benefit features for access to Long Term Care and Critical Illness payout. Employee Policy options are available up to $500,000. Family coverage is also available.  

Group Term Life Insurance

Transamerica – Term Life Insurance featuring guaranteed renewable, very affordable 5 year level term rates.  Includes a Terminal Illness Benefit that allows you to tap into your life insurance in the event of a future terminal illness diagnosis and still provide a benefit for your beneficiary.  Employee Policy options are available up to $500,000. Family coverage is also available.

LifeTime Benefit Term Insurance

Fidelity Life – Unique Term Insurance with paid up life insurance coverage after 5 years of paying premiums. This money will help your family meet continuing financial needs that would have been provided by your income.

Critical Illness Plan

American General – Pays Lump Sum Benefits to you when diagnosed with Critical Conditions such as: Cancer, Heart Attack, Stroke and Renal Failure. Critical Illness Insurance can help you cover costs that may or may not be covered by your health plan. Non-medical related expenses and out-of-pocket costs such as co-pays, deductibles, loss of income, as well as experimental drug treatments are frequently not covered by health insurance. Annual $50 Health Screening and $150 Mammogram Benefits are included in this plan.

Cancer Insurance

American General – This Benefit provides coverage in the event an insured employee is diagnosed with cancer. It pays an initial lump-sum benefit upon diagnosis, additional benefits for hospitalization and chemotherapy, as well as cash reimbursement for cancer screenings. Annual $50 Health Screening and $150 Mammogram Benefits are included in this plan.

Legal Plan

LegalEASE – Legal Plan gives employees the ability to talk to  a Plan Attorney.  Provides free and discounted legal services without worrying about high hourly costs. Examples of covered legal services: Name Change, Home Sale/Purchase, Estate Planning, Family Law Services, Identity Theft, Financial Counseling and more.

24-Hour Accident Insurance

Transamerica Life Insurance Company – The Accident Plan  pays a lump sum benefit directly to the employee in the event of a covered accident . It pays benefits for emergency treatment, hospitalization, follow-up treatment, intensive care, prosthesis and more.  See the Schedule of Benefits for amounts payable, definitions and limitations for each specific accident.