Hospital Cash Benefits
Help put your mind at ease when the doctor says, “I’m admitting you to the hospital”. Receive your Cash Benefits for a covered accident or any sickness — even a pre-existing condition — paid to you or anyone you choose for each day in the hospital. See FAQs for plan details, limitations, and exclusions.
— SICKNESS —
$200.00 a day
$1,400.00 a week1
per covered hospitalization due to
sickness up to 365 days
Maximum Payable to you per
occurrence is $73,000.00
— INJURY —
$400.00 a day
$2,800.00 a week1
per covered hospitalization due to
injury up to 365 days
Maximum Payable to you per
occurrence is $146,000.00
1Plan benefit amounts reduce by 50% at age 65 and by an additional 25% at age 75, regardless of age at enrollment.
For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Underwritten by Minnesota Life Insurance Company.
Use your Cash Benefits to help pay for:
Rent/Mortgage
Utilities
Groceries
Auto Loan
Cable/Phone/Internet
Transportation
Caregiver Services
Personal Assistance
Household Help
Medical Supplies
Home/Auto Insurance
Childcare
House Cleaning Services
Drug Prescriptions
Any other expenses you choose
With Recuperative Care Plan accident and sickness insurance, payments are made directly to you or anyone you choose.
It’s all been arranged for you by Northwest Federal Credit Union and underwritten by Minnesota Life Insurance Company.
Plan Features
Just click "Get Started" to begin activating all these features and benefits
— No cost to you for the first 60 days
Easy to Use
- PAID directly to you or anyone you choose
- PAID in one lump sum
- PAID in addition to any other insurance
Easy to Understand
- No lifetime maximums on number of claims
- No pre-existing conditions exclusion
- No waiting period for benefits to begin
Easy to Get
- Guaranteed — You cannot be turned down
- Guaranteed — No physical exam required
- Guaranteed — No health questions asked
Questions? Look Here.
Can I get insurance for my spouse and family, too?
Do I have to take a medical exam or answer a lot of health questions?
Do I have to use the cash benefit to pay medical bills?
Who do the payments go to?
When does coverage begin?
Is there an age cutoff?
What if I have other insurance?
Who is Franklin Madison Group LLC? Who is fmservice?
Who provides this insurance?
What isn't covered?
How much does this coverage cost?
How will I be billed for this coverage?
How do I file a claim?
When do I get my cash benefit?
Why do you need my hospital records to process a claim?
Insurance is underwritten by Minnesota Life Insurance Company.
Minnesota Life Insurance Company is a member company of Securian Financial Group, Inc. Since 1880, Securian Financial Group and its affiliates have provided financial security for individuals and businesses in the form of insurance, investments and retirement plans.