If you have an accident, hospitalization, or critical illness, you may have expenses like travel, childcare, and other costs not covered by a medical plan.
Voluntary benefits give you more financial protection, and SMP offers various policies through Anthem you can choose for your family—making it even easier to use your coverage. If you’re enrolled in an SMP medical plan, Anthem will proactively review your medical claims to identify when a voluntary benefit may apply. You will receive a notification so you can quickly file a claim and receive payment. All members can file claims directly with Anthem when needed.
You pay for these benefits through convenient payroll deductions.
Pays for treatments or injuries resulting from a covered accident. It can help you pay for rehab, transportation, travel, or other out-of-pocket costs. Coverage is 100% employee paid.
Provides a lump-sum benefit for diagnosis of a covered critical illness or event like a heart attack or stroke. It can help cover travel, room and board, transportation, and more. Coverage is 100% employee paid.
Pays benefits after a qualified hospitalization.
Hospital Indemnity Insurance is not medical coverage. Please see Legal Notices for an important disclosure about Hospital Indemnity Insurance.
The cash benefits you receive from these plans can be used any way you choose. For plan information and rates, visit Dayforce. Note: Voluntary STD is administered by The Standard. Refer to the Voluntary STD summary in the Document Library.
Life insurance helps protect the ones you love should something unexpectedly happen to you. However, preparation doesn’t end there. Injury or illness can lead to significant long-term care expenses, potentially affecting your savings. SMP offers an employee-paid voluntary benefit that gives you two benefits in one policy. Permanent Life Insurance + Long Term Care includes:
Permanent Life Insurance
Long Term Care (LTC)
Your rates are based on your age at the time your coverage begins and will never increase as long as you own the policy. If you apply for coverage, your spouse is eligible to apply and has access to the same discounted, group premiums. New hires and eligible employees not currently enrolled may elect Permanent Life Insurance + Long Term care benefit through AGIS during an enrollment window in April.
Important Documents
View plan documents in the Document Library.
Legal Notice
The general information contained in this summary does not address all requirements of the Plans and complete information is contained in the office Plan documents. If this summary differs from the terms and provisions of the official Plan documents, the official Plan documents will govern and control. The applicable Plan documents govern the determination of your benefit, and no communication, oral or written, shall alter your benefit. Standard Motor Products reserves the right to amend, suspend or terminate its Plans at any time, in whole or in part. Participation in these Plans is not an offer or guarantee of employment. Review these Required Notices for information about your rights and protections, privacy, and more.