LIFE INSURANCE – RELIANCE STANDARD

Swinerton’s life insurance plans, administered by Reliance Standard, help provide a foundation of financial protection for your family if something happens to you. Life Insurance pays a benefit to your chosen beneficiaries in the event of a fatal accident or death. This plan also pays you if you suffer a permanent bodily injury.

Plan Highlights:

• Swinerton pays the monthly cost for basic life.
• Optional additional voluntary employee life available.*
• Optional spousal life available.*

*Eligibility rules apply for voluntary life benefits.

DISABILITY – RELIANCE STANDARD

If you are ill or injured and unable to work, Swinerton offers benefits to protect you and minimize your financial worries. Short-Term Disability (STD) provides weekly income replacement if you become unable to work due to medical disability. If you are unable to work for more than 90 days due to a medical disability, Long-Term Disability (LTD) begins to pay monthly benefits on the 91st day.

Plan Highlights:

• STD pays up to 80% of your base salary.*
• LTD pays up to 60% of your base salary.*
• Swinerton pays the monthly cost for this benefit.**

*Wage replacement offset by any state offering disability income.
**Eligibility rules apply for disability benefits.

LEGAL ASSISTANCE 

Swinerton has partnered with MetLaw to provide access to legal services and representation for you, your spouse and dependents at a price that won’t break your budget. Eliminate the stress of finding the right attorney and paying hefty legal fees for life’s planned and unplanned legal matters. This benefit is voluntary, which means you’ll pay the full cost of the coverage if you choose to enroll. However, you have discounted rates through Swinerton.

Plan Highlights:

• Personal legal matters include debt matters, family law, estates, traffic, criminal and more.
• Discounted premiums paid through convenient payroll deductions.

CRITICAL ILLNESS / ACCIDENTAL INJURY – CIGNA

Swinerton has partnered with Cigna to offer Critical Illness and Accidental Injury Insurance. Both plans pay a lump-sum benefit if you are diagnosed with a covered condition or experience an accidental injury. Funds you receive can be used however you like, for example: to help pay for expenses not covered by your medical plan, lost wages, childcare, travel, home health care costs or any of your regular household expenses. Benefits are paid directly to you and pay in addition to any other health insurance you may have. Both plans are voluntary, which means you’ll pay the full cost of the coverage if you choose to enroll. However, you have discounted rates through Swinerton.

Critical Illness Highlights:

• Conditions include cancer, stroke, heart attack, etc.
• Benefit integration if enrolled in a Cigna medical plan.
• Guaranteed issue coverage for employees and dependents.

Accident Injury Highlights:

• Injuries include ambulatory, hospital confinement, fractures, lacerations, etc.
• Cash benefits are payable directly in a lump sum.
• Plan integration if enrolled in a Cigna medical plan.
• Guaranteed issue coverage for employees and dependents.

IDENTITY THEFT PROTECTION – ALLSTATE IDENTITY PROTECTION (Formerly InfoArmor)

InfoArmor offers comprehensive identity theft protection to keep you covered. In addition to fraud monitoring, membership also includes theft expense reimbursement and replacement of stolen funds. This benefit is voluntary, which means you’ll pay the full cost of the coverage if you choose to enroll. However, you have discounted rates through Swinerton.

Plan Highlights:

• 24/7 identity monitoring for fraud alerts, credit reporting, social media, the dark web, and more.
• Stolen fund reimbursement up to $1M.
• Rates available for employee-only or family coverage.