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What is the Advantage Series?


what is Advantage series from manhattanlife

The Advantage Series from ManhattanLife

The Advantage Series is Group Coverage Designed for Small to Mid-Sized Businesses. Choose between stock, turnkey coverage or take a more customized approach.

Build the coverage portfolio that meets your and your employee needs.

  • Accident
  • Critical Illness
  • Short-Term Disability
  • Hospital Indemnity

To issue a contract, Accident, Critical Illness, and Hospital Indemnity only require a minimum of 5 employees enrolled, and Short-Term Disability only requires a minimum of 10 employees enrolled!

Accident Indemnity

As healthcare costs continue to rise, the need for supplemental insurance coverage becomes imperative. An Accident Indemnity Plan from ManhattanLife’s Advantage Series can help address employee concerns, offering supplemental coverage for the associated costs of Accidents and Injuries.

Benefits include coverage for specified:

  • Initial Emergency Care
  • Inpatient Hospital Care
  • Surgical Care
  • Follow-up Care
  • Recovery Care
  • Preventative Care

Accident Indemnity offers Guaranteed Issue coverage, with no health questions or medical exams! Employee and Family coverage are available.

Add optional riders for more coverage! Total Disability Premium Waiver Rider and a Well-Being Benefit Rider are available.

Employees can take their coverage with them beyond employment! Their coverage stays inforce as long as premiums are paid and the group master contract remains inforce.

Critical Illness

We understand that treatment is not the only financial burden that comes with a covered Critical Illness diagnosis. A Critical Illness plan from ManhattanLife’s Advantage Series is an affordable solution that gives the advantage of choice. We pay a lump-sum benefit directly to employees - they choose whether to use the funds for deductibles, co-payments, living expenses, childcare, or anything else.

Choose from Cancer-only, Classic, and Preferred plan options. 

Benefits for Classic and Preferred plan options include coverage for specified:

  • Cardiac events
  • Cerebral Vascular Diseases
  • Cancer
  • Progressive Diseases
  • Other specified illnesses

Guaranteed issue is available for:

  • A maximum of $20,000 for employees;
  • 50% of the employee benefit for the spouse; and
  • 25% up to $5,000 for each eligible child.

The Classic and Preferred plan options have a built-in Recurrence Benefit that provides an additional benefit for a recurrent diagnosis! A Waiver of Premium Benefit will waive the insured’s premiums if they are Totally Disabled for a minimum of 180 days due to a covered Critical Illness.

Optional riders are available for more coverage! Add an Infectious Diseases Benefit Rider, Childhood Conditions Benefit Rider, and/or a Well-Being Benefit Rider.

Employees can take their coverage with them beyond employment! Their coverage stays inforce as long as premiums are paid and the group master contract remains inforce.

Short-Term Disability

As health care costs continue to rise, the value of supplemental insurance coverage becomes more apparent. Short-Term Disability from ManhattanLife’s Advantage Series can help protect employees and their families’ assets when an accident or illness leaves an employee disabled. When they are unable to work, Short-Term Disability provides benefits that can help pay bills for housing costs, food, car payments, or additional expenses.

Benefits include coverage for specified:

  • Total Disability
  • Partial Disability 

Choose between “24-hour” and “Off-the-Job” coverage options. Benefit periods include 3, 6, or 12 months, with benefit amounts between $300 and $6,000 (not to exceed 60% of the insured’s income).

ManhattanLife also offers a variety of optional enhancements to increase coverage value. Choose from a Catastrophic Disability Benefit, Accidental Death Benefit, Presumptive Disability, Survivor Benefit, and/or a Terminal Illness Benefit.

Employees can keep their coverage up to 12 months after their employment ends or until age 70, whichever happens first.

Hospital Indemnity

High deductibles and copays for hospital stays could put a financial strain on your employees when they should be focusing on their health. A ManhattanLife Hospital Indemnity plan provides the supplemental coverage to help bridge the gap between health insurance and out-of-pocket expenses in the event of an unforeseen hospital stay due to Injury or Sickness.

Benefits include coverage for specified:

  • Hospital Confinement
  • First Hospital Admission
  • Diagnostic Benefit
  • Intensive Care, Cardiac Care, and Burn Unit Care

Guaranteed Issue coverage is available!

Employees can take their coverage with them beyond employment! Their coverage stays inforce as long as premiums are paid and the group master contract remains inforce.

Not all products, benefits, and riders available in all states. Have a ManhattanLife agent contact you today or reach out to us at Advantage@manhattanlife.com.



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