Voluntary Benefits

Accident insurance can offset expenses such as emergency room fees, deductibles, and co-pays related to injuries suffered in a fall, while playing sports, or following another type of accident. This benefit is offered through Lincoln Financial Group.

Eligibility

As a full-time faculty, staff, or LiUNA bargaining unit member, you can participate in a voluntary benefits program to purchase Accident Insurance. You may purchase it for yourself, as well as for your spouse/domestic partner and your dependent children.

About the Program

Accident Insurance from Lincoln Financial Group can help protect you and your family from the unexpected expenses of an accident that occurs off the job such as:

• Sports-related accidental injuries
• Broken bones
• Burns
• Concussions
• Lacerations
• Back or knee injuries

Accident Insurance helps to offset medical costs, such as emergency room fees, deductibles and co-payments that can result from a covered accident.

Features of Lincoln Financial Group’s Accident Insurance include:

• Premiums are conveniently paid through payroll deduction.
• Benefits are paid directly to you.
• Benefits are paid regardless of any other insurance you may have with other companies.
• Coverage is portable; you can take it with you if you change jobs or retire.

Save money on insurance through the Choice Auto, Home & Renters Insurance Program, which offers you a competitive quote from a selection of top-rated auto, renter’s, and homeowner’s insurers and provides special discounts for JHU employees.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member, you can participate in a voluntary program to purchase discounted auto and homeowner’s insurance.

About the Program

The Choice Auto, Home and Renter’s Insurance Program offers you a competitive quote from a selection of top-rated auto and homeowner’s insurers. Compare the coverage side by side and determine if there is an option that meets your needs. You can insure more than your vehicle and home – you may also be eligible to cover a rental property, boat, or motor home.

Additional discounts may be available, such as:

• Special group discount of 10% or more for JHU faculty and staff
• Long term JHU service discount based on number of years employed
• Convenient payroll deduction discount when premium is paid through payroll
• Multi-policy, multi-car, safe driver and anti-theft device discounts
• Click here to access a flyer about the program, and click here for FAQs

Critical illness insurance is available for employees and their eligible spouse, domestic partner, or dependents. The coverage pays out a lump sum in the event of a serious condition such as cancer, heart attack, stroke, or Alzheimer’s disease, among other conditions. It is offered through Lincoln Financial Group.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member who is actively at work, you can participate in a voluntary benefits program to purchase Critical Illness Insurance. You may purchase it for yourself, as well as for your spouse/domestic partner and your dependent children up to age 26. Coverage is guaranteed issue if elected within 30 days of hire.

About the Program

Critical Illness Insurance from Lincoln Financial Group is designed to give you the peace of mind needed to concentrate on recovery instead of finances. Although not a replacement for traditional medical or disability insurance, Lincoln Financial Group Critical Illness Insurance provides a lump-sum payment in the event that you or a covered dependent experience one of the following medical conditions and meet the policy and certificate requirements:

• Cancer
• Heart Attack
• Stroke
• Alzheimer’s Disease
• Kidney Failure
• Coronary Artery Bypass Graft
• As well as many other conditions

From co-pays and deductibles to mortgage payments and child care, you can use the lump-sum payment as you see fit to help protect your family’s finances so you can focus on recovery.

Homeowners or renters insurance may have gaps in coverage that could leave you footing a large chunk of the bill after a natural disaster. That’s where Home Disaster Insurance can help — it picks up where other insurance stops, so you can bounce back faster after a disaster. Multi-peril disaster insurance pays a lump-sum cash benefit after a natural disaster.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member, you can participate in a voluntary benefits program to purchase Home Disaster Insurance. You can enroll in the program at any time.

About the Program

Disaster Insurance from Recoop provides a lump-sum cash benefit to help you recover after a covered natural disaster, to help bridge the gap where traditional home insurance may fall short. Whether it’s a wildfire, hurricane, or earthquake, Recoop offers fast financial support when you need it most.

If your home is impacted by a declared natural disaster, you’ll receive a one-time cash payment—up to $25,000—based on your coverage. This benefit is paid directly to you, so you can use it however you need: for repairs, temporary housing, replacing essentials, or simply getting back on your feet.

Covered events include:

• Hurricanes (including storm surge)
• Wildfires
• Tornadoes
• Earthquakes
• Gas explosions
• Winter storms
• Dust storms

Recoop is a supplement to, not a replacement for, homeowners or renters insurance. It does not cover landslides, tsunamis, fresh-water flooding, or hail. Be sure to review policy documents for full details.

Hospital indemnity insurance is available for employees and their eligible spouse, domestic partner, or dependents. The coverage pays out a lump sum if you or a covered dependent need to stay in a hospital due to an injury, sickness, or childbirth. You can choose between a Low Plan and a High Plan. It is offered through Lincoln Financial Group.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member who is actively at work, you can participate in a voluntary benefits program to purchase Hospital Indemnity Insurance. You may purchase it for yourself, as well as for your spouse/domestic partner and your dependent children up to age 26. Coverage is guaranteed issue if elected within 30 days of hire.

About the Program

Hospital Indemnity Insurance from Lincoln Financial provides you with a cash benefit you can use to help pay expenses when you have a covered hospital stay, due to an injury, sickness, or childbirth. If you’re admitted to a hospital or similar facility for 20 hours or more, you will receive a one-time payment to help cover the expenses.

The plans pay a lump sum per admission, depending on the type of stay (hospital vs. intensive care unit), and whether you choose the Low Plan or the High Plan. This insurance offers critical support to bridge the gap between your primary health coverage and unexpected expenses. You can use the cash benefit you receive from this plan to help you cover not just bills related to your medical care, but any other expenses as well.

• Pays a lump-sum benefit payment to use however you see fit
• The payment is made directly to you (unless otherwise assigned)
• It can help pay out-of-pocket expenses related to medical care associated with covered accidents or sicknesses
• In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

Hospital indemnity insurance is a supplement to, not a substitute for, a health care insurance plan.

The Identity Protection program by Allstate can offer you peace of mind, as well as valuable services that can help you both prevent identity theft and recover your identity if you become a victim.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member, you can participate in a voluntary benefits program to purchase Identity Protection. You can enroll in the program at any time.

About the Program

Since so much of daily life in now spent online, it’s more important than ever to stay connected.  But more sharing online means more of your personal data may be at risk. Allstate Identity Protection Pro Plus can help protect your identity and finances from a growing range of threats.

More than just credit monitoring, Allstate Identity Protection looks after your online activity, from financial transactions to what you share on social media. If fraud occurs, up to a $1 million identity theft insurance policy and a dedicated remediation expert have you covered.

With Allstate Identity Protection Pro Plus, you’ll get access to:

• Identity and credit monitoring
• Dark web monitoring
• Social media reputation monitoring
• Financial threshold monitoring
• Digital wallet storage and monitoring
• Data breach notification and more

Pay for coverage through a convenient after-tax payroll deduction for individual or family coverage.

For a small monthly fee, full-time employees can take part in the MetLife Legal Plan, which gives access to a nationwide network of more than 12,000 attorneys for help with legal matters—from will preparation, to debt collection, to buying a home, and much more.

Eligibility

As a full-time faculty, staff, or LIUNA bargaining unit member, you can participate in a voluntary benefits program to purchase a discounted legal services plan. You can enroll at hire or during annual enrollment. You are eligible to enroll in the plan for yourself and, for some cases, your eligible dependents. Eligible dependents include your lawful spouse and your unmarried child (or children) up to the age of 25 provided they depend on you for support.

About the Program

The MetLife Legal Plan gives you access to a nationwide network of more than 12,000 attorneys, to help you and your dependents with vital legal matters such as:

• Estate planning: preparation of wills, codicils, testamentary trusts, living wills, living trusts, deeds, and powers of attorney
• Financial: creditor issues, debt collection defense, identity theft defense, identity restoration services, tax audits, and the purchase, sale, and refinancing of a home
• Support with reproductive issues

You can receive a consultation over the phone or in person. Most people pay upwards of hundreds of dollars an hour for legal services like these, but full-time JHU employees can elect this benefit for a nominal fee that’s deducted from your paycheck each month.

Voluntary pet insurance through Nationwide will help you protect your furry family members by managing the rising costs of veterinary care.  You can get cash back for accidents, illnesses, hereditary conditions, and more.

Eligibility                                                                                                                                                                                                                                     

As a full-time faculty, staff, or LIUNA bargaining unit member, you can participate in a voluntary benefits program to purchase Pet Insurance. You can enroll in the program at any time.

About the Program

Nationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible without worrying about the cost. Simply pay for coverage through a convenient after-tax payroll deduction.

My Pet Protection reimburses you for eligible vet bills and includes benefits for emergency boarding and lost-pet advertising. You can choose 50% or 70% reimbursement for the level of coverage that fits your needs, getting cash back for accidents, illnesses, hereditary conditions, behavioral treatments, and more.

With Nationwide, you have the freedom to use your choice of veterinarian, including specialists and emergency providers. In addition, the company’s 24/7 VetHelpLine is included as a service to all pet insurance members.