You enroll in Hospital Indemnity Insurance
After insurance is in effect, you have a hospital stay due to covered accident or sickness
Receive a payment
Use your money however you want
Who is the provider?
Standard Insurance Company
For more than 100 years, we have been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee benefits. to learn more about products from The standard, visit us at www.standard.com.
The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.
When is a benefit paid under the plan?
Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for insurance include:
You must be enrolled in coverage for members of your family to also enroll.
*Legal spouse age 18 to 99, or age 18 to 64 in California.
How much does coverage cost?
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
When would my coverage start?
Coverage begins on the date you become eligible if you apply before that date or the first of the month coinciding with next following the date if you apply within 31 days of becoming eligible.
If you apply during Annual Enrollment, coverage begins at beginning of next plan year.
If there is a Family Status Change, coverage begins on the date of change if you apply on or before the date of the Family Status Change or the date you apply if you apply within 31 days of Family Status Change.
Am I really free to use the payment any way I choose?
Legal Disclaimers
HMS is not available in all states or on all products.
Not all tests are available in all states or on all products. Please reference you certificate Group Accident, Critical Illness and Hospital Indemnity insurance are limited benefits polices. Group insurance is called Specific Disease insurance in New York and Vermont. Hospital Indemnity insurance is not available in all states.
The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.
Mercer's Role & Compensation