Supplemental Benefits

As too many Americans know, unexpected medical costs due to a serious illness or medical issue can take a severe toll on their finances even when they have major medical coverage. Supplemental benefits are an essential piece of the insurance puzzle and provide an additional layer of financial protection when life takes an unexpected turn.

While no one can predict what the future will hold, life insurers make sure everyone can prepare for it.

51% of women with children are the sole household financial decision maker.

82% of women with children believe supplemental insurance benefits are valuable.

86% of women with children reported it is important for the federal government to support access to supplemental benefits.

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Featured Resources

Supplemental Benefits Help American Families
When They Need It Most

In 2023, supplemental and voluntary benefits insurers paid over $6.5 billion to policyholders to help American families cover unexpected and uncovered medical costs.

Timeless Truth

Distinct from short-term limited duration insurance, supplemental benefits support household budgets when people face unexpected expenses that aren't covered by major medical insurance.

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How Supplemental Benefits Provide Financial Protection to American Families

Supplemental benefits are insurance policies that provide financial protection against expenses associated with accidents or illnesses not covered by major medical insurance.

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Another Layer of Financial Protection

Supplemental benefits help protect Americans' financial health by paying for things not covered by major medical insurance like copays and deductibles associated with accidents or illness.

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Attracting Talent; Protecting Families

Workers are looking for jobs where they will be safe while providing for their families. By offering supplemental benefit products, employers can help provide that financial security.

Black woman sitting in a dentists chair smiling

The Importance of Dental Insurance

Dental insurance has long proven to be a way for Americans to access affordable and high-quality dental care.

REAL STORIES

Supplemental Benefits Provide the Power of Choice

When facing breast cancer, Anne Harney was able to choose the right plastic surgeon, the company to purchase a wig from, chiropractic treatment and more.

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Supplemental Benefits Provide Budget Protection

Rowie Keally said the benefits provide an added layer of security to help with life bills in case something happens.

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Supplemental Benefits Provide Peace of Mind

While recovering from a liver transplant, Renner Hall was able to afford a place to stay after his apartment unexpectedly flooded.

Other Resources

ACLI Explains Supplemental Benefits

VIDEOS

Less Stress for Cancer Patients

ARTICLE

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Let's get social

#DYK? A health event is a top financial stressor for 40% of middle-class households. #SupplementalBenefits can help ease financial hardship by paying for things not covered by major medical insurance. https://www.acli.com/about-the-industry/supplemental-benefits

Medical debt and the increasing costs associated with healthcare have risen dramatically in recent years. See how #SupplementalBenefits are a cornerstone of financial protection for families when they need it the most: https://impact.acli.com/supplemental-benefits-help-american-families-when-they-need-it-most/

Employers across the country offer #SupplementalBenefits to their employees to help them safeguard their savings and budgets. Watch to learn more: https://vimeo.com/764688911