Our Products
CBU Benefits is dedicated to providing workplace-related insurance products which greatly reduce an employees financial exposure to unplanned expenses. We offer group and individual supplemental health insurance products through payroll deduction, to accommodate your employees' needs. Our suite of insurance products include Accidental injury, Short-term disability, Cancer solutions, Critical illness, Dental and Hospital plans.
Accidental Injury Insurance pays cash benefits directly to you regardless of any other insurance you have. If you're in an accident, your major medical plan may cover most of your expenses. But you're likely to be responsible for out-of-pocket expenses such as deductibles and co-pays, plus medical appliances and transportation. Not to mention loss of income. Every accident - from bumps and bruises to broken legs - requires different care and treatment. To help protect you and your family, Accidental Injury Insurance offers benefits for today's most common accidental injuries, whether they happen on the job or off.
Short-term Disability Insurance helps you pay the bills if you can't work due to a disabling illness or injury. If you become injured or disabled, you can lose time at work - and more importantly, you can lose your paycheck. Should that ever happen, our short-term disability insurance will help ensure that you and your family have the money you need for everyday expenses. It's just smart to be prepared and it may cost less than you think. An employees most valuable asset is a weekly paycheck. Without a paycheck, secondary assets are often lost.
Cancer Solutions is supplemental cancer insurance that provides protection against the uncovered medical and out-of-pocket expenses associated with cancer. Some key benefits include: express payment of up to $10,000 upon diagnosis, coverage for cancer screening tests, surgery and radiation/chemotherapy as well as covering transportation and family lodging. Just as your cancer concerns don't stop at the doctor's door, neither should your insurance.
Critical Illness Insurance can help provide valuable lump-sum benefits when your employees experience today's most common critical illnesses - including cancer, cardiovascular disease, stroke, kidney failure and more. We offer products that allow your employees to choose the coverage they need. Some key benefits include: Guarantee issue group coverage, benefit amounts of up to $75,000, plan choices and coverage for the entire family.
Dental Plans that don't cost an arm and a leg. Through one of our dental plans, you can offer your employees a benefit plan that provides cost-effective coverage for their preventive, basic and major dental services. Employees can choose any dentist and there is even an option for orthodontics coverage. Employers can contribute as much as they like toward employees' competitive monthly premiums - or nothing at all. Our plans are flexible, affordable and easy to use.
Hospital Plans that let you focus on your care and not on the cost. A stay in the hospital can be expensive. But your first concern should be for your care and treatment. Our hospital plans are supplemental insurance for the expenses associated with a hospital stay: copays, deductibles, transportation and more.
Term Life Insurance Plans offer protection while you're working hard to protect your family. Our plans are simple and affordable. When you choose one of our plans, you pay an economical premium for the term you select. If you pass away during that time, your policy's face amount is paid to your beneficiaries income-tax free.
