Kroger Local 1000
UFCW Local 1000 – Supplemental Benefits
UFCW Local 1000 and Forza Insurance Group Logo Supplemental Benefits Banner

Supplemental Insurance Benefits are different from traditional health insurance. These benefits pay you directly for costs related to injuries and illnesses, both on and off the job! Workers Compensation doesn't do that!

Prepare for the unexpected with the financial support that these plans provide.

Group Accident Insurance provides direct reimbursement for medical treatment received for covered accidents, surgeries, ambulance services, physical therapy, hospitalization, and accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits.

This value packed plan also provides:

  • $50 Wellness benefit payment. 21 screenings are covered, including mammograms, colonoscopies, stress tests, plus more!
  • Residence & Vehicle modification of $500.
  • Speech Therapy follow-up visits included at $30 per treatment, up to 6× per accident.
Accident image
Even minor accidents can put you out of work! Be prepared with an Accident Insurance plan!
  • 24-Hour Coverage for accidents on and off the job.
  • Plans are Guaranteed Issue; no medical questions to enroll.
  • Benefits are paid directly to you and can be used for whatever you want.
Accident brochure cover
Open brochure • Spanish brochure

Most people can’t afford to be disabled, even for a short time. Almost 90 percent of disabling accidents and illnesses are not work related, so you can’t count on Workers Compensation to be there for you and your loved ones.

Disability Income Plus is designed to help provide you with a monthly income benefit for the time period you select (3 or 6 months) as you recover. This plan supplements lost wages due to a covered injury or illness, on OR off the job!

Safety sign

Did you know that Workers Comp only covers you for ON the job injuries?

Supplemental Benefits cover you for on or off the job injuries and illnesses!

Most injuries happen OFF the job…so be prepared!

PLAN HIGHLIGHTS

  • Waiver of Premium. If a member becomes disabled again within 180 days of returning to work, the elimination period is waived, and benefits are immediately available for up to the remaining benefit from the previous disability.
  • Provides 24 Hour Coverage for accidents on and off-the-job.
  • Pays in coordination with any existing disability coverage you may have.
  • Benefits are paid directly to you, and the money you receive can be used for whatever you want.
  • Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.
Disability brochure
Open brochure to learn more.

Over half (54%) of U.S. households rely on 2 incomes; losing one can be devastating.

Life Insurance can help your family continue the goals and dreams you shared together.

Facts about Whole Life Insurance:

  1. Cash value you can access for mortgage, education, retirement, and more.
  2. Telehealth behavioral services (Talk Therapy, Teen Therapy, Psychiatry).
  3. Accelerated death benefits—up to 75% following a covered critical illness diagnosis.
  4. Portability—lifelong coverage if premiums are paid.
  5. Rates never increase; younger applicants pay less.
Whole Life brochure
Open brochure • Spanish brochure
Family image
A 35-year-old can get a $100,000 policy for ~ $25/week—real peace of mind for your family.

Get the peace of mind that Whole Life Insurance brings.

Hospital Indemnity provides expense reimbursement for a hospitalization up to the policy maximum. Coverage is available to the insured, spouse, and the children.

Benefits are paid directly to you, in addition to what your primary insurance covers! You can use the cash benefits however you want – to help pay medical bills or everyday living expenses such as housing, car payments, utility bills, childcare, groceries, and credit card bills.

Facts about Hospital Indemnity Insurance:

  1. If the covered person is confined as an inpatient in a hospital, a $100 per day benefit is paid for a maximum of 30 days per confinement.
  2. $600 First Admission Benefit - One-time lump sum per year.
  3. Office Visit Benefit. $100 benefit when the covered person is seen by a doctor for follow up treatment after being confined as an inpatient in a hospital. An emergency room visit is not a covered service. Maximum of 5 per year.
  4. $50 Wellness benefit payment. Each covered person will get paid $50 for one wellness screening per year. 21 screenings are covered, including mammograms, colonoscopies, dental screenings and stress tests.
  5. Portability. Even if you change jobs, the plan is yours as long as you continue to pay your premiums.
  6. Waiver of Premium. A covered person’s premium is waived for up to 12 months if they become totally disabled for at least 90 days.
Hospital Indemnity brochure
Open brochure to learn more. • Spanish brochure

EXCLUSIVE PREGNANCY BENEFITS

Pregnant woman

When you enroll in a Hospital Indemnity plan through The Forza Insurance Group, you’ll also get pregnancy benefits to help cover your hospital costs. Most major medical insurance only pays a portion of hospital-related costs!

  • In the event your pregnancy results in extra hospital time, having the right coverage in place will help eliminate financial stress at a time when you need it most.
  • Our Hospital Indemnity plan will cover a woman who is already pregnant. Many plans won’t cover a “pre-existing condition” such as pregnancy.
  • Coverage for up to 30 days of hospitalization due to normal pregnancy or complications of pregnancy.

Critical illness

Pays a lump-sum after diagnosis of a covered illness (e.g., heart attack or stroke). Also pays for recurrences/new illnesses up to the maximum.

Use benefits for out-of-pocket medical costs, home healthcare, travel for treatment, rehab, and more.

  1. Dependent children included at no additional cost.
  2. $50 Wellness benefit—one screening per person annually (21 screenings).
  3. Coordinates with other insurance.
  4. Affordable rates.
  5. Paid directly to you.
Critical Illness brochure
Open brochure • Spanish brochure

Term Life provides protection for a defined period with level premiums and pays a death benefit to beneficiaries. Lower union rates with guaranteed issue; spouse/children options when you’re the primary insured.

Accelerated Living Benefit: request up to 50% of the death benefit for terminal illness.

Portable—keep it if you change jobs (with paid premiums).

Term Life brochure
Open brochure

How to Enroll

At your workplace

Enrollers are visiting your workplace soon! Watch for details or call 844-808-8009 to find out when.


By phone

Get helpful, expert, advice from the Local 99 Supplemental Benefit Call Center.

CALL 844-808-8009

Make an Appointment

Schedule an appointment that works for you with a Forza Benefit Advisor.


MAKE MY APPOINTMENT

Forza Benefit Advisors will explain which plans are right for you, and there is NEVER any pressure to enroll.

Direct payment example

Supplemental benefits pay you directly—and you can use the money for whatever you want.

It’s your money!
Use it however you want!

Benefit payments can be used for whatever you want, such as
• out-of-pocket medical care costs
• home healthcare
• home expenses
• babysitting costs
• hotel expenses related to incident
• travel to and from treatment facilities
• rehabilitation

… the list is almost unlimited!

4 facts about supplemental insurance benefits that make them easy to use!

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Rates are locked in

Rates don’t increase—file as many claims as necessary.

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Portable & flexible

Keep your policy if you leave your workplace.

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Direct payment

Benefits are paid directly to you.

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Guaranteed Acceptance

Open Enrollment plans administered by Forza are Guaranteed Issue.

Having a Supplemental Benefit plan can make a huge difference if you ever experience loss of income due to illness or injury.
Call us at 844-808-8009 with any questions. We’re here to help!

Forza + UFCW

The Forza Insurance Group has provided supplemental benefits to the UFCW for over 15 years.

forzainsurancegroup.com