✨ Enhance your protection, personalize your coverage, and support what matters most.
Beyond your core benefits, Tenpoint offers a range of voluntary, employee-paid benefits you can elect to customize your financial protection. These optional plans help you prepare for the unexpected, cover gaps traditional insurance may not fully address, and even care for your four-legged family members.
Explore the five add-on options below:
- Life Insurance & AD&D
- Accident Insurance
- Critical Illness Insurance
- Hospital Indemnity Insurance
- Pet Insurance (ASPCA)
Each section explains how the coverage works, what it pays, when it applies, and how to enroll.
Voluntary Life & AD&D - Unum
💜 Choose the coverage you need, customize your protection, and care for those who count on you.
This is a 100% employee-paid benefit, offered at competitive group rates with streamlined underwriting and no medical exam required. Employees may achieve access to pricing not available on individual retail policies.
For additional peace of mind, you can purchase extra life and AD&D coverage for yourself and your family.
Coverage options:
- Employee: Up to $500,000
- Spouse/domestic partner: Up to $150,000
- Child(ren): Up to $10,000
- Guaranteed Issue (GI): $100,000 employee / $30,000 spouse / $10,000 child
Evidence of Insurability (EOI): Required above GI or if enrolling outside your initial eligibility window.
Why it matters:
Voluntary coverage allows you to tailor protection to your household’s needs. Elect or adjust coverage in Rippling during new hire, open enrollment, or qualifying life events.
Accident Insurance – Unum
🩹 Bounce back faster, ease the unexpected, and stay financially protected.
This is a 100% employee-paid benefit, offered at competitive group rates with streamlined underwriting and no medical exam required. Employees may achieve access to pricing not available on individual retail policies.
Accidents happen — and when they do, costs can pile up quickly. Unum’s Accident Insurance pays you cash benefits directly (not the doctor), so you can use the funds however you need: medical bills, childcare, groceries, or anything else.
What’s Covered
Cash benefits for:
- ER and urgent care visits
- X-rays, MRIs, and diagnostic imaging
- Fractures, sprains, and dislocations
- Ambulance services
- Hospitalization related to accidents
Why it matters:
Accidents are unpredictable — this plan helps cover the financial shock so you can focus on healing, not bills.
Critical Illness Insurance – Unum
❤️ Protect against life’s toughest moments, maintain stability, and focus fully on recovery.
This is a 100% employee-paid benefit, offered at competitive group rates with streamlined underwriting and no medical exam required. Employees may achieve access to pricing not available on individual retail policies.
If you’re diagnosed with a covered major illness, this plan pays a lump-sum cash benefit directly to you. You choose how to use it — medical costs, travel for treatment, household expenses, or anything that helps you stay afloat.
Covered Conditions (examples):
- Cancer
- Heart attack
- Stroke
- Organ failure
- Major transplants
Why it matters:
A serious illness affects more than your health — it impacts finances, work, and family. Critical Illness Insurance provides immediate financial breathing room when you need it most.
Hospital Indemnity Insurance – Unum
🏥 Ease the burden, cushion your costs, and stay supported during hospital stays.
This is a 100% employee-paid benefit, offered at competitive group rates with streamlined underwriting and no medical exam required. Employees may achieve access to pricing not available on individual retail policies.
Hospital visits — expected or not — can bring surprise expenses. Hospital Indemnity Insurance pays cash benefits for hospital admissions, daily stays, and ICU care.
Benefit Highlights:
- Cash payment for hospital admission
- Daily cash for ongoing inpatient stays
- Additional ICU benefits
You can use the funds for medical bills, household expenses, childcare, or anything else that supports you while you recover.
Why it matters:
Even with great insurance, hospitalization often brings out-of-pocket costs. This plan fills those gaps and gives you financial stability during stressful times.
Pet Insurance – ASPCA®
🐾 Protect your pets, ease vet bills, and support the ones who make your life whole.
This is a 100% employee-paid benefit, and Tenpoint has secured access to exclusive group savings to help make pet care more affordable.
ASPCA Pet Health Insurance helps you care affordably for your four-legged family members — with up to 20% savings (includes group + multi-pet discounts, where available) and the freedom to visit any licensed vet in the U.S. or Canada. We encourage you to price compare to ensure you’re receiving the best possible deal.
Employees enroll directly, with no payroll deduction required.
Program Highlights
- Enroll anytime via your custom Tenpoint link
- Accident-Only, Illness, and Wellness plan options
- Customizable deductible, reimbursement %, and annual limits
- 24/7 telehealth for pets
- No upper age limits (pets 8 weeks and older eligible)
- Fast claim turnaround (3–5 business days)
Why It Matters
With vet care costs up nearly 60% over the last decade and pet insurance ranking as the 3rd most requested voluntary benefit, this program directly supports employee wellbeing and reduces financial stress.