Voluntary Insurance Products

Check Point offers the opportunity to purchase additional insurance products via the convenience of premiums deducted through your payroll at preferred group rates.

Supplemental Life Insurance

Check Point provides you the option to purchase supplemental life and AD&D insurance for yourself, your spouse, and your dependent children through Prudential.


You must purchase supplemental coverage for yourself in order to purchase coverage for your spouse and/or dependents. When you enroll you will see your exact cost for coverage based on your age and how much you buy. Benefits will reduce to 50% at age 70.


  • Employee: $10,000 increments up to 5x annual earnings or $500,000, whichever is less—guarantee issue: $200,000
  • Spouse: $5,000 increments up to $150,000 or 100% of the employee’s election, whichever is less— guarantee issue: $30,000
  • Dependent children: Birth to age 26: $10,000—guarantee issue: $10,000


If you elect supplemental coverage, you may purchase up to the guaranteed issue amount(s) without completing a statement of health (evidence of insurability). If you do not enroll when first eligible, and choose to enroll during a subsequent annual open enrollment period, you may be required to submit evidence of insurability (EOI) for the coverage you request. Any amounts requiring EOI will not take effect until approved by Prudential.


Depending on your personal situation, basic life and AD&D insurance might not be enough coverage for your needs. To protect those who depend on you for financial security, you may want to purchase supplemental coverage.


Use the Life Insurance Needs Calculator to help determine how much coverage is right for you.

Accident Insurance

Check Point provides you the option to purchase accident insurance through Cigna.


Accident insurance helps protect against the financial burden that accident-related costs can create. This means that you will have added financial resources to help with expenses incurred due to an injury, to help with ongoing living expenses, or to help with any purpose you choose. Claims payments are made in flat amounts based on services incurred during an accident. Refer to the Cigna flyer to view plan details and compare the three plan options.


Examples of covered conditions
  • Burns
  • Dislocations
  • Lacerations
  • Broken Bones
  • Concussion
  • Fractures
  • Medical service related to an
  • accident


Accident insurance costs

Listed below are the monthly costs for accident insurance. The amount you pay for coverage is deducted from your paycheck on a post-tax basis.



Critical Illness

Check Point provides you the option to purchase Critical Illness insurance through Cigna.

Critical illness insurance provides a financial, lump-sum benefit upon diagnosis of a covered illness. These covered illnesses are typically very severe and likely to render the affected person incapable of working. Because of the financial strain these illnesses can place on individuals and families, critical illness insurance is designed to help you pay your mortgage, seek experimental treatment, or handle unexpected medical expenses.


A health screening benefit is automatically included in the plan. This plan will pay $50 per insured individual per calendar year when a covered health screening test is performed.


Examples of covered conditions
  • Circulatory conditions such as heart
  • attack or stroke
  • Cancer conditions
  • Other conditions such as benign
  • brain tumor, major organ failure,
  • paralysis, and coma


Benefit options
  • Employee: $5,000, $10,000, $15,000, $20,000
  • Spouse/Domestic Partner: $5,000, $7,500, $10,000
  • Child(ren): $5,000


Rates are age banded for employee and spouse differentiating between smoker and non-smoker. Spouse rates are based on the employee’s age. Child rates are a flat dollar amount. Refer to the Cigna flyer to view plan details and costs. If you choose to increase your coverage or are electing coverage for the first time, you will be subject to pre-existing condition limitations.




Hospital Indemnity Insurance

SCAN provides you the option to purchase Hospital Indemnity insurance through Cigna.


A hospital stay can happen at any time, and it can be costly. Cigna hospital care coverage can help you and your loved ones have additional financial protection. Cigna hospital care pays benefits for hospitalizations resulting from a covered injury or illness. Coverage continues after the first hospitalization, to help you have protection for future hospital stays.


A health screening benefit is automatically included in the plan. This plan will pay $50 per insured individual per calendar year when a covered health screening test is performed.


The table to the right  highlights some of the benefits of the hospital care insurance plan. Please refer to the Cigna plan summary for additional details. Benefits will be subject to pre existing condition limitations.