Recuperative Care Insurance
Coverage designed to get you back on your feet.
Frequently Asked Questions
This insurance supplements other coverage plans. Your health insurance pays for medical procedures while Recuperative Care Insurance pays a daily cash benefit while you recover from a covered injury or illness.
You can be covered up to $400 for each day of hospitalization, or $200 for illness. You may also choose family coverage, which protects your spouse and dependent children at a reduced benefit amount. See your Certificate/Policy of Insurance for specific amounts.
No, there are no medical questions or physical exams required to qualify.
No, your coverage is guaranteed provided you are 18 years of age or older.
There is no termination age; however, benefits reduce to 50% at age 65, and reduce to 25% at age 75 or older.
The effective date is shown on your Certificate/Policy of Insurance.
It takes about 30 days from the time the enrollment form is received to process and issue the Certificate/Policy of Insurance.
Franklin Madison Group is the third-party administrator for the insurance carrier providing premium billing and other services on behalf of the carrier. Please refer all insurance questions to Franklin Madison at (877) 517-0555. For faster service, please provide the coverage ID located within the billing descriptor (9-digit number starting with 6 or 7).
The benefit is paid directly to you to use however you like. It can be used to pay for things like monthly bills, recover expenses, etc.
No. This insurance pays you cash while you get well only for each day that your doctor has kept you in the hospital for covered injuries and illnesses.
Call toll-free (877) 517-0555 weekdays, 8:00 a.m. to 9:00 p.m. (Eastern).
The claims are processed within five days of the Plan Administrator receiving the appropriate information and documentation in their offices. Once processed, the claim is then forwarded to the underwriter for determination of benefits.
If you choose to not keep your insurance, simply call toll free (877) 517-0555, and your insurance will be cancelled.
If you are an Everwise checking account holder, the premiums will be automatically debited from your account monthly/quarterly. This transaction will be reflected on your statement. If you are not an Everwise checking account holder, you will have the option to select an account to use for billing purposes upon enrollment in the program.
To maintain the privacy of the insured, information can only be provided if the primary insured is present to give consent.
This is an offering for insurance. It is not a deposit, not NCUA-insured, not guaranteed by the credit union, and not insured by any federal government agency. This information is a brief description of this insurance plan, not an insurance contract. Actual coverage is subject to the language of the policy including applicable exclusions and limitations, and may not be available in all jurisdictions. Insurance product offered by Franklin Madison Group, LLC.
If you are not happy with the Recuperative Care Insurance for any reason, and you have not submitted a claim, simply contact Franklin Madison at (844) 515-5873 within the first 60 days of enrollment for a complete refund of your premium and the coverage will be canceled back to its effective date.
Benefits reduce due to age, beginning at age 65.
Insurance product offered by Franklin Madison Group LLC.
For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC.
Insurance is underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, IL 60196, (800) 987-3373 (NAIC # 16535).
This insurance provides limited benefits. It is not Major Medical or Comprehensive Health Coverage.