Supplemental Benefits

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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.

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

 

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

 

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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

Explainer

Supplemental Benefits Explained

Supplemental benefits provide a financial safety net when life throws a curveball. They protect Americans’ financial health by paying for not only deductibles or copays, but childcare, transportation, hotel stays and more.
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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.
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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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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.
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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 Story

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Supplemental Benefits Cover Out-of-Pocket Costs

When he got the call for his liver transplant, Renner Hall was able to pay for his family’s transportation — an expense typically not covered by major medical insurance.  

Other Resources

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How Supplemental Benefits Put Life Back into Household Budgets

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Less Stress for Cancer Patients

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Supplemental Benefits Explained

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#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