One of the biggest perks of voluntary benefits is that they are, in fact, fully optional, so you can opt for the benefits that you truly want, rather than having Rose International choose for you. This autonomy in your overall benefits plan and deciding what combination of benefits will best suit your lifestyle and your family needs adds value to working for Rose International.Â
Term life and AD&D insurance provides financial security for your family and loved ones. There are options to buy insurance for yourself and your dependents. Payroll deductions are made on a post-tax basis.
| Benefit | Amount |
|---|---|
| Employee Life Insurance | Lesser of 5x base salary up to $150,000 |
| Employee AD&D Insurance | $20,000 |
| Voluntary Spouse Life | $5,000 - $50,000 |
| Voluntary Spouse AD&D Insurance | $2,500 |
| Voluntary Child Life | $10,000 |
| Voluntary Child AD&D Insurance | $2,500 |
Short-term disability is designed to protect your salary in the event you become unable to work from a non-work-related injury or sickness. Short-term disability income benefits are used to provide a source of income.Â
| Short-Term Disability Benefits | |
|---|---|
| Benefits Begin |
14th day if hospitalized 14th day for disability to sickness |
| Benefits Payable | 24 weeks |
| Percentage of Income Replaced | 60% of weekly earnings |
| Minimum Weekly Benefit | $ 25 |
| Maximum Weekly Benefit | $ 2,000 |
| Pre-Existing Conditions | 3 months Prior / 12 months Insured |
Accidents can happen any time. UnitedHealthcare Accident insurance helps you pay for expenses related to unexpected accidents and injuries. Accident insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance plans.
The benefit amount is determined by the injury and medical care received and paid in a lump sum amount. No health questions are required, but a pre-existing condition clause may apply.
| Benefits | Low Plan | High Plan |
|---|---|---|
| Ground Ambulance | $300 | $400 |
| Emergency Room Visit | $200 | $300 |
| Urgent Care Visit | $150 | $200 |
| Fractures | $450 - $6,000 | $600 - $9,000 |
| Dislocations | $750 - $6,000 | $1,000 - $9,000 |
| Rehabilitative Therapy | $30 per visit | $50 per visit |
| Inpatient Hospital Admission – Initial Day | $1,000 | $1,500 |
| Inpatient ICU Admission – Initial Day | $2,400 | $3,000 |
| Inpatient Hospital – Daily Benefit | $200 | $300 |
| Wellness Benefit | $50 per employee and insured spouse | |
Are you protected if you experience a critical illness? UnitedHealthcare Critical Illness insurance offsets your out-of-pocket expenses related to the diagnosis of a critical illness such as a heart attack, coma, kidney failure, or cancer. Critical Illness insurance pays in addition to your medical plan, and benefits are payable regardless of any other insurance plans.
If you choose to elect this benefit, you have the opportunity for you and your dependents to elect up to the guaranteed issue amount without evidence of insurability.
| Diagnosis | Initial Occurrence | |
|---|---|---|
| Benign Brain Tumor | 100% of Coverage Amount | |
| Cancer - Invasive | 100% of Coverage Amount | |
| Cancer - Non-Invasive | 25% of Coverage Amount | |
| Chronic Renal Failure | 100% of Coverage Amount | |
| Coma | 100% of Coverage Amount | |
| Coronary Artery Disease | 25% of Coverage Amount | |
| Heart Attack / Heart Failure | 100% of Coverage Amount | |
| Major Organ Failure | 100% of Coverage Amount | |
| Stroke | 100% of Coverage Amount | |
| Advanced Parkinson’s Disease | 100% of Coverage Amount | |
| Advanced Alzheimer’s Disease | 100% of Coverage Amount | |
| Health Screening Benefit | $50 per Employee and Insured Spouse | |
| Guaranteed Issue Amount | $10,000 Plan | $20,000 Plan |
| Employee | $10,000 | $20,000 |
| Spouse and Children | $5,000 | $10,000 |
An unexpected hospital stay can be expensive, even with medical insurance. UnitedHealthcare Hospital Indemnity insurance helps you cover your expenses related to being admitted or confined in a hospital. Benefits are paid directly to you, and the funds can be used as you see fit. No health questions are required, but a pre-existing condition clause may apply.
| Benefits | |
|---|---|
| Hospital Admission (1 day/plan yr) | $1,000 |
| Hospital Confinement (29 days/plan yr) | $200 |
| ICU Confinement (29 days/plan yr) | $400 |
| Inpatient Drug, Alcohol, Mental, Rehab (30 days/plan yr) | $150 |
| Daily Benefit – Annual Maximum | 30 Days |
