Voluntary Insurance Products
While your core medical, dental, and vision coverage form the foundation of your benefits package, life's unexpected moments — an accident, a serious illness, a hospital stay, or a legal matter — can bring costs and stress that go beyond what major medical alone can cover. That's where voluntary benefits come in.
We offer a robust menu of voluntary options including Voluntary Life Insurance, Accident Insurance, Critical Illness Coverage, Hospital Indemnity Protection, Legal Assistance, and Pet Insurance, so you can choose the protection that best fits your life, your family, and your budget.
Voluntary benefits are optional, employee-paid insurance products offered at competitive group rates through convenient payroll deductions. Review your available voluntary benefits below.
Life Insurance
Bishop's provides Basic Life Insurance coverage to eligible employees, but you may choose to increase your protection through Voluntary Life Insurance and AD&D coverage through Unum. This affordable benefit can help provide financial security for your loved ones if the unexpected happens.
Why Consider Additional Life Insurance?
Life insurance can help protect your family's financial future by providing a benefit that may be used for:
- Mortgage or rent payments
- Everyday living expenses
- Educational costs
- Outstanding debts
- Future financial needs
AD&D coverage provides additional protection in the event of a covered accidental death or serious covered accidental injury.
Coverage Options
- Employee Coverage - You may elect coverage for yourself in increments of $1,000 up to five times your annual earnings or $500,000.
- Eligible employees may elect up to $200,000 of coverage without medical underwriting.
- Spouse Coverage - You may elect coverage for your spouse in increments of $1,000 up to $500,000. Spouse coverage cannot exceed 100% of your elected coverage amount.
- Eligible spouses may qualify for up to $30,000 of coverage without medical underwriting.
- Child Coverage - You may coverage for your eligible children. One election covers all eligible children under the plan.
Learn More
Watch the available Life Insurance educational resources to better understand:
Accident Insurance
Unum's Accident Insurance provides a cash benefit for covered injuries and related medical treatment, helping you manage unexpected expenses and focus on recovery.
Why Consider Accident Insurance?
Accident Insurance can help you with out-of-pocket costs that your medical plan doesn't cover, like co-pays and deductibles. You'll have base coverage without medical underwriting. The cost is conveniently deducted from your paycheck. You can keep your coverage if you change jobs or retire. You'll be billed directly.
Who Is Eligible?
- Employees
- All full-time employees are eligible to enroll.
- Spouse
- Your spouse may enroll as long as you elect coverage for yourself.
- Children
- Eligible dependent children are covered from birth through age 25, regardless of marital or student status.
Available Resources
Critical Illness Insurance
Unum's Critical Illness Insurance provides a lump-sum cash benefit after a covered diagnosis, giving you additional financial flexibility during a challenging time.
Why Consider Critical Illness Insurance?
Even with comprehensive medical coverage, a serious illness can create unexpected expenses. Critical Illness Insurance can help you pay for:
- Medical plan deductibles and copays
- Treatment-related costs
- Travel and lodging expenses
- Household bills and everyday living expenses
- Childcare or caregiver support
- Lost income during recovery
- Coverage that continues to protect you
One unique feature of this coverage is that it can be used more than once.
After receiving a benefit for one covered condition, you may remain eligible for benefits for other covered critical illnesses and, in many cases, for the recurrence of a previously covered illness (excluding skin cancer). Recurrence benefits may be payable up to 100% of your elected coverage amount, subject to policy provisions.
Resources Available
Explore the resources available to better understand your coverage:
- Critical Illness Insurance Flyer
- Be Well Benefits Information
- Critical Illness Insurance Video
- Claim Submission Instructions
- Spanish-language resources
Hospital Indemnity
Unum's Hospital Indemnity Insurance provides cash benefits that can help offset the financial impact of hospitalization, allowing you to focus on recovery and your family's health.
Why Consider Hospital Indemnity Insurance?
Even with comprehensive medical coverage, a hospital stay can create additional financial burdens. Hospital Indemnity Insurance can help pay for that cost. The money is paid directly to you - not to a hospital or care provider.
Who Is Eligible?
- Employees
- All full-time employees are eligible to enroll.
- Spouse
- Your spouse may enroll when you elect coverage for yourself.
- Children
- Eligible dependent children are covered from birth through age 25, regardless of marital or student status.
Resources Available
Learn more about your coverage through the following resources:
Universal Life with LTC
Protecting your loved ones is one of life’s greatest responsibilities. When a family loses someone, in addition to grief, survivors may suddenly be faced with costly expenses and debts, and even a loss of income. Trustmark provides two choices of permanent life insurance for combined coverage and lifelong protection. These two options are designed to last a lifetime, so your price will never increase due to age.
- Universal Life - a type of permanent life insurance that provides a consistent lifelong benefit
- Universal LifeEvents - a type of permanent life insurance that offers a higher death benefit
What can Universal Life benefits help pay for?
- Funeral and burial costs
- Rent or mortgage payments
- Tuition and loans
- Credit card bills
- Medical expenses
- Retirement savings
Long-Term Care Benefits
At any point in your life, you may need long-term care services, which could cost hundreds of dollars per day. Universal Life/LifeEvents includes long-term care (LTC) benefit that can help pay for these services at any age. You can access 4% of your Universal LifeEvents death benefit each month for up to 25 months to help pay for qualifying long-term care services.
Note: The LTC Benefit is an acceleration of the death benefit and is not Long-Term Care Insurance (except in LA and VA, where the LTC benefit is Long-Term Care insurance). It begins to pay after 90 days of confinement or services and to qualify you must meet conditions of eligibility for benefits.
How do I learn more or enroll?
If you are interested in learning more about Trustmark's Universal Life/LifeEvents coverage or enrolling in the benefit, please contact Human Resources or click the links below.
Legal Assistance
Legal issues can arise unexpectedly, from creating a will to buying a home or resolving a family matter. LegalEASE provides convenient access to experienced attorneys and legal resources, helping you protect yourself, your family, and your financial future with confidence. LegalEASE helps match you with an attorney experienced in the specific area of law related to your situation.
LegalEASE can assist with a variety of personal legal needs, including:
- Home & Residential
- Home purchases and sales
- Landlord-tenant matters
- Property-related legal concerns
- Financial & Consumer
- Consumer disputes
- Debt-related matters
- Financial legal issues
- Auto & Traffic
- Traffic violations
- Driver-related legal matters
- Vehicle-related disputes
- Family Matters
- Family legal concerns
- Domestic legal issues
- Personal legal guidance
- Estate Planning & Wills
- Wills and estate planning documents
- Legacy and asset protection planning
- Family estate-related matters
Who Is Covered?
Coverage extends beyond just employees and can help support your entire family, including:
- Employee
- Spouse
- Dependent children
- Parents
How to Access Your Benefits
Once enrolled, simply contact LegalEASE at 1-800-248-9000 and reference Bishop's to begin receiving assistance.
Pet Insurance
Bishop's believes that pet are family too. You have an unbreakable bond with your pet which is why our coverage helps eliminate the stress, heartache, and uncertainty associated with unexpected events. When your pet gets sick or injured, they can get treatment they need, when they need it. Bishop's provides an exclusive 10% discount when you purchase a plan for your pet. Each pet enrolled receives a lifetime discount and other great coverage perks.
How Pet Insurance Works
- Attend to Your Pet: When your pet gets sick or injured, they can get treatment from any licensed veterinarian in the US or Canada.
- File a Claim: You can easily file a claim through our app or online, and you don’t need to send us medical records unless we ask for them.
- Easy Reimbursement: Your reimbursement for eligible accidents and illnesses can be conveniently and easily deposited directly into your bank account, so you never have to wonder where your money is.
How to Enroll
If interested, you may enroll at PetsBest (or call 888-984-8700) and reference the referral/discount code: BISHOPSPETS.
You can choose from different plans with individually chosen levels of annual deductible options and reimbursement percentage options.
Resources Available
Learn more about your coverage through the following resources:
