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2022 Voluntary Benefits


CoorsTek is pleased to offer the following voluntary benefits for 2022. These benefits are 100% employee paid via payroll deductions with after-tax dollars. You do not need to be enrolled in any of the other CoorsTek offered benefit plans in order to be eligible for these voluntary benefits. Elections in these plans can only be changed during open enrollment or due to a qualifying change in family status as outlined on page four of the benefit guide. 



These coverages offered through Unum pay you a cash benefit if you experience a covered illness or accidental injury. 

The plans pair well with high deductible health plans and may limit your financial exposure. The cash benefit is separate from any claims or coverage provided by medical insurance. There are no offsets and no restrictions on how the benefit amounts paid to you can be used, which means you can use the cash to cover expenses your medical plan may not cover, like your deductible – and any other costs including living expenses like your mortgage or utility bills.



With Accident Insurance, you’ll receive a lump-sum payment for a covered accidental injury and related services. Payment depends on the type and severity of your injury and the related treatment. For example, you receive a specific cash amount for an ambulance ride, a visit to the ER, Urgent Care, doctor or chiropractor, a hospital stay, etc. Please review the Benefit Highlight sheet and flyer below for specific details.

Getting coverage is easy and affordable:

  • Guaranteed issue; no health questions asked
  • Premiums will never increase due to your age
  • Benefits available for your spouse and dependent child(ren)
  • Direct payment to you or to your beneficiary
  • Coverage portability: If you change jobs, you can take the same benefits with you at the same cost




Critical Illness Insurance provides a lump-sum cash benefit upon diagnosis of a specific critical illness. Benefits can be purchased in $10,000, $20,000 or $30,000 lump sum amounts for yourself. Spouse coverage may be purchased for 50% of the lump sum you elected for yourself. Dependent child coverage is automatically included at no additional cost for 50% of the lump sum you elect for yourself.

These amounts are all guaranteed issue. Initial diagnosis must be made after the coverage is in effect for a benefit to be paid.

Stock photo of family used in Critical Illness Flyer

Unum Schedule of Benefits Included Below:

Critical Illnesses

Full-Time Employees

Coronary Artery Disease (Major): 50%

Coronary Artery Disease (Minor): 100%

End Stage Renal (Kidney) Failure: 100%

Heart Attack (Myocardial Infarction): 100%

Major Organ Failure Requiring Transplant: 100%

Stroke: 100%

Additional Critical Illnesses for Your Children

Cerebral Palsy: 100% (50% of elected coverage amount)

Cleft Lip or Palate: 100% (50% of elected coverage amount)

Cystic Fibrosis: 100% (50% of elected coverage amount)

Down Syndrome: 100% (50% of elected coverage amount)

Spina Bifida: 100% (50% of elected coverage amount)


Invasive Cancer (Including all Breast Cancer): 100%

Non-Invasive Cancer: 25%

Skin Cancer: $500

Supplemental Critical Illnesses

Benign Brain Tumor: 100%

Coma: 100%

Loss of Hearing: 100%

Infectious Disease: 25%

Infectious Disease Hospital Consecutive Days: 7 Days

Loss of Sight: 100%

Loss of Speech: 100%

Occupational Human Immunodeficiency Virus (HIV) or Hepatitis: 100%

Permanent Paralysis: 100% 

Progressive Diseases

Amyotrophic Lateral Sclerosis (ALS): 100%

Dementia (including Alzheimer's Disease): 100%

Functional Loss: 100%

Multiple Sclerosis: 100%

Parkinson's Disease: 100%


As part of your comprehensive benefit offering, CoorsTek is excited to offer you the opportunity to enroll in a legal insurance plan from ARAG®. This plan provides you and your qualified dependents with affordable, reliable legal coverage to help with everyday life matters — like getting your will done, a dispute with a contractor, or an auto repair that doesn’t go as planned. 

Legal insurance gives you a place to turn when you need legal help:

  • Work with an attorney from ARAG’s nationwide network when you have questions, want a document reviewed and need legal advice or representation. (No fee for most covered services.)

  • Plan for the future with estate planning resources and a broad range of coverages.

  • Access online legal tools and resources, including helpful articles, guidebooks and DIY Docs®. 


Legal Insurance Graphic

For additional information, please review the flyer below and contact ARAG at access code 18322ct.  


Video: All About your Legal Insurance:



Whether your family includes kids with two feet or kids with four paws, you know what responsibility looks like.

My Pet Protection® from Nationwide® helps you provide your pets with the best care possible. The plan reimburses your choice of 70% or 50% on vet bills including accidents, illnesses and hereditary conditions, subject to a $250 annual deductible and $7500 maximum annual benefit. (Pre-existing conditions are excluded.)

You’re free to use any vet and get additional benefits for emergency boarding, lost pet advertising and more. Plus, their 24/7 vethelpline® is available as a free service to all pet insurance members ($150 value).

Rates for Pet Insurance vary based on your state of residence, type of animal, and coverage type. Please reach out to Nationwide at 877-738-7874 or online at for a quote and to enroll.

Stock photo of dog being walked.


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