You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

Employee	Spouse	Child
Lump sum benefit of $5,000 to $20,000 in $5,000 increments	Lump sum benefit of $2,500 to $10,000 in increments up to 50% of employee's lump sum benefit	Birth to 26 years = 25% of employee's lump sum benefit
Benefit Reduction: 50% at age 70	Benefit Reduction: 50% at age 70	Benefits end at age 26
Guaranteed Issue: $20,000	Guaranteed Issue: $10,000	Guaranteed Issue: All amounts
Pre-existing Condition Limitation: 3 months prior, 12 months after	Pre-existing Condition Limitation: 3 months prior, 12 months after	Pre-existing Condition Limitation: 3 months prior, 12 months after
Wellness Benefit amount: $50	Wellness Benefit amount: $50	Wellness Benefit amount: $50

Downloads

Summary of Benefits

Guardian Enrollment Form

Will Prep Summary

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

Benefits
Accident Coverage Type	Off Job
Payment Features	Based on a schedule (see your employee kit)
Child Organized Sport Benefit	25% increase to child benefits
Rainy Day Fund	$400 per year
Wellness	$50 employee, spouse, child
Dependent Age	Children age birth to 26 years

Rates Per Pay Period
Employee Only	$5.55
Employee + Spouse	$9.33
Employee + Child(ren)	$10.07
Family	$13.85

Downloads

Summary of Benefits

Guardian Enrollment Form

Will Prep Summary

Life can throw curveballs. Adult children move home. Jobs end. Divorce happens. Knowing more about individual healthcare options can help you make good decisions. Miller Milestones is at your service. Are you hitting any of these milestones?

Adult children turning 26
Baby boomers turning 65
New baby
COBRA-eligible
Needing short-term coverage

If you are looking for individual healthcare coverage, or just want to understand your options, call our experts:

Medicare: Sam George, (816) 308-4597

Individual Coverage: Grant George, (816) 308-4598.

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Miller Milestones

Hospital Indemnity coverage helps to pay for costs incurred during a covered hospital stay, like copays, deductibles, etc., that are not typically covered by standard healthcare insurance.

Benefits
Hospital Admission	$1,000, up to 2x per year
Hospital Confinement	$100/day, up to 15 days
Hours of Confinement required	24 Hours
ICU Admission Benefit	$1,000, up to 2x per year
ICU Confinement Benefit	$200/day, up to 15 days

	Rates Per Pay Period
Employee Only	$8.61
Employee + Spouse	$15.22
Employee + Child(ren)	$13.92
Employee + Family	$20.53

Additional Benefits