ManhattanLife is one of the oldest and most reliable supplemental life and health insurance companies in the country, with over 175 years in business.
ManhattanLife provides a broad range of supplemental employer group benefits, including accident, critical illness and cancer, disability, hospital indemnity and life insurance. This coverage is available for small employers 2+ to large employer groups. We offer completely customizable plans or turnkey solutions, all designed to meet your specific needs.
Our Products
Learn more about our products below and complete the form at the bottom to get in touch with a ManhattanLife representative.
Accident
Accident coverage from ManhattanLife is designed to complement existing medical coverage and help narrow gaps caused by out-of-pocket expenses such as deductibles, co-payments and non-covered medical services.
Featured benefits include:
- Hospitalization
- Emergency treatment and urgent care
- Specialty/physician office visits
- Accidental death and dismemberment
- Transportation and lodging
Critical Illness and Cancer
Critical Illness and Cancer coverage provides a lump-sum benefit to families so they can continue to meet their financial obligations while focusing on recovering from a critical illness. It can help decrease the need to tap into one’s home equity or into retirement, education or other savings accounts.
Available benefits include:
- Pays up to three lump sum benefits (four with the Recurrence Benefit)
- Pays regardless of other coverage
- Covers vascular conditions, cancer and other critical illness
- All benefits are paid directly to the insured
Disability
Disability insurance helps employees continue to pay normal living expenses along with additional expenses that have been created by an injury or illness. The plan provides a monthly benefit that can help pay housing costs, food, car payments and any additional medical costs.
Includes additional features:
- Partial disability
- Recurrent disability
- Waiver of premium
- Portability
Life Insurance
ManhattanLife is proud to be able to offer Term Life, Universal Life and Whole Life insurance to meet the needs of employees (if premiums are paid). We know that every employer is different, which is why having options available is important to us.
Term Life: Affordable protection with set premiums for either a 10-year or 20-year term period
Universal Life: Permanent coverage with flexible premiums and a cash value component
Whole Life: Permanent coverage with a cash value component and premiums that don’t change
Hospitalization Benefits
Hospital Indemnity
Hospital indemnity insurance from ManhattanLife pays employees a cash benefit when hospitalized. They can use the cash benefits however they want – to help pay medical bills or everyday living expenses such as housing, car payments, childcare, groceries and bills. It is an ideal complement to Employer-based medical coverage.
Key benefits include:
- First hospitalization
- Doctor's office visits
- Inpatient and outpatient surgery benefits
- Well-being benefit
- Diagnostic testing
Group Affordable Choice
ManhattanLife's Group Affordable Choice is a limited benefit health insurance plan that offers fixed indemnity benefits, meaning it pays set dollar amounts for covered medical services, rather than covering a percentage of the costs like traditional major medical insurance.
Customizable benefits range from:
- No deductibles or coinsurance
- Hospital admission, prescription, outpatient and surgical benefits
- Doctor's office visits
- Prescription benefits
Group GAP
Group GAP insurance from ManhattanLife can help lower out-of-pocket expenses associated with major medical deductibles, coinsurance obligations and copayments. Benefits provide much needed coverage to fill the holes left behind, particularly by HDHP's.
Customizable benefits range from:
- Doctor's office visit
- Ambulance benefits
- Outpatient prescription drug benefits
