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5 facts about benefits that make them so easy to use!

1. You get direct payment

Supplemental benefit plans pay the policyholder directly, in the form of checks or direct deposit, if you cannot work due to an injury and/or critical illness.

2. Your acceptance is guaranteed

All supplemental benefit plans administered by Forza are what is known as Guaranteed Issue, during Open Enrollment. You cannot be denied coverage.

3. Benefits are portable and flexible

All supplemental benefit plans are made portable. This means that if the policyholder leaves their workplace or retires, they have the option to keep them.

4. Rates are locked in

Supplemental benefit plan rates do not increase, ever, for any reason. The policyholder can file as many claims as necessary and their rates will not go up.

5. $50 Wellness Benefit

As an added benefit for qualified plans, you and every covered member of your family receives a $50 wellness claim payout for yearly routine appointments. So if you, your spouse, and a child get a yearly checkup and submit your wellness claims, that's an extra $150 in your pocket!

Questions? Call a Benefit Advisor at 844-808-8009.

See how supplemental benefits work!

What are Supplemental Benefits?
How to file a claim - we can help!

Learn more about these valuable supplemental benefits.

Critical Illness Insurance

Critical Illness Insurance from Manhattan Life helps protect families and their assets when employees are most vulnerable: during the working years.

Critical Illness Insurance pays a lump-sum benefit following the diagnosis of a critical illness, such as a heart attack or stroke. The plan also pays in the case of a reoccurrence of the same critical illness or an occurrence of a different critical illness, up to the maximum payment.

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

  1. Includes a $50 Wellness benefit payment for covered yearly checkups – payable every year!
  2. Pays in coordination with any other insurance you may have.
  3. Low-cost affordable rates!
  4. Direct payment to you.


Disability Insurance

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. 

The Disability Income Plus from Manhattan Life 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.

You'll receive a monthly payment that you can spend however you wish — to help cover everyday expenses, medical costs, or whatever you want!

1.    Waiver of PremiumIf an employee 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.

2.    Pays in coordination with any existing disability coverage you may have.

3.    Direct payment to you. 

Whole Life Insurance

A Whole Life policy from Allstate lets you plan for the future while getting real benefits for today!


  1. Cash value. A Whole Life plan can build cash value, that you can have access to, for things such as mortgage costs, a child’s education expenses, retirement income and more.
  2. Telehealth behavioral services. Now you can access a mental health provider or therapist for a visit by phone (where permitted) or video from the convenience and privacy of your own home. Specific services are Talk Therapy, Teen Therapy, and Psychiatry.
  3. Accelerated death benefits. A Whole Life policy from Allstate will pay you up to 75% of your death benefit following the diagnosis of a critical illness, such as a heart attack or stroke.
  4. Portability. Whole Life is lifelong coverage (as long as premiums are paid) that you can take with you, even when you retire or go to a new company.

While you may have a basic Term Life plan during your working years, it may not be enough to provide the level of coverage your family needs in the later years. Whole Life can help. It provides coverage through retirement with premiums and benefits that don't change with age. Whole Life can also build cash value, that you can have access to, for things such as mortgage costs, a child's education expenses, retirement income, and more.

Accident Insurance

Group Accident Insurance from Manhattan Life provides cash benefits for medical treatment received for covered accidents, injuries, ambulance services, hospitalization, or accidental death. The plan pays regardless of what your primary insurance covers with no coordination of benefits. 

The benefit is paid directly to you and can be used for whatever you want. Help cover unexpected out-of-pocket expenses while you recover - deductibles, co-pays, childcare, and even non-medical expenses.

Group Accident Insurance includes these additional riders at NO COST to you!

  1.  $50 Wellness benefit payment for covered yearly checkups - every year! 

  2.  Youth Organized Sports Rider included at NO COST!   Extra protection for non-professional sports injuries, such as club sports. 

  3.  On The Job Insurance (24 Hour Insurance) Benefit

Hospital Indemnity Insurance

The Hospital Indemnity plan from Manhattan Life pays cash benefits from day one when you are hospitalized or receive other covered medical treatment. The plan supplements your primary medical coverage by filling the potential gaps created by rising deductibles, co-payments, and out-of-pocket expenses not covered by your health plan.

Benefits can be paid directly to you or your medical service provider regardless of what your primary insurance covers - there is no coordination of benefits. You have the freedom to use the cash benefits as needed; to cover medical bills, everyday living expenses, or other unexpected out-of-pocket expenses.

1. Wellness benefit. Receive a $50 payment for covered yearly checkups - every year!

2. Guaranteed acceptance up to age 90 – no medical questions!

3. Waiver of Premium rider included. Premiums are waived if the primary insured is totally disabled for more than 180 days.

Term Life

If someone depends financially on you, you need life insurance, whether you are married, single, a single parent, a small business owner, or retired. With Term life insurance from Manhattan Life, you can spare your grieving loved ones the added stress of economic difficulties, preserving their quality of life even after your death.


You will also appreciate the opportunity to enroll at work at competitive group rates with just a few simple questions. Term Life provides protection for a defined period of time, during which premiums stay the same, and pays a death benefit to beneficiaries if the covered employee dies. Term Life coverage can supplement any other life plan you may have.


1.  Lower rates. You have the advantage of lower rates available through your employer and paid through payroll deductions combined with guaranteed issue and portability, two highly popular features. Coverage for your spouse and children is available if you’re the primary insured.

2.  Accelerated Living Benefit: Value while you're alive. You can request an acceleration payment of up to 50 percent of the death benefit if diagnosed with a terminal illness in the future. 


3.  Portability. Even if you retire or change jobs, you can take the policy with you. You own it (as long as premiums are paid).

Don't miss this valuable opportunity to purchase extra protection with low rates!
If you have any questions,
give us a call at 844-808-8009.

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