What are Supplemental Benefits?
BRG helps you choose group supplemental plans that enhance your core benefits and protect employees. Supplemental policies are extra insurance that pays cash directly to the individual when specific events happen, like an accident, hospital stay, or critical illness. It doesn’t replace their primary medical plan—it helps cover out-of-pocket costs and everyday bills.
Why Employees Choose Supplemental Plans
- Cash paid directly (can be used for deductibles, rent/mortgage, childcare, travel, etc.)
- Affordable payroll-deducted premiums
- Portable options they can keep if they change jobs
- Peace of mind for high-cost events
Common Plan Types
| Plan Type | Pays For | Typical Uses |
|---|---|---|
| Accident | Lump sum benefits for injuries (ER, fractures, ambulance) | Sports injuries, slips/falls, kids’ accidents |
| Critical Illness | One-time lump sum after diagnosis (e.g., cancer, heart attack, stroke) | Treatment costs, travel, income gap |
| Hospital Indemnity | Daily or lump sum amounts for hospital admission/stays | Deductibles for inpatient/maternity |
| Short-term Disability | % of income if you can’t work due to a non-work injury/illness | Rent/mortgage and bills while recovering |
| Supplemental Life | Extra life insurance beyond the employer-paid basic | Family income protection, debts, and education |
How Benefits Work (Example)
- You're covered under Accident Insurance.
- You break your wrist; visit the ER, need X-rays, and a cast.
- You file a claim online/app with simple documentation.
- The plan pays cash to you (e.g., ER visit, X-ray, fracture benefit).
- Use it for any expense—medical bill or everyday costs.
Note: Actual benefit amounts and covered events vary by plan.