Spectrum has partnered with California Long Term Care Insurance Services, Inc. (CLTC) to offer a comprehensive Long Term Care Program to members.
The program allows members to receive discounted rates on policies for ongoing services not covered by other types of health insurance, such as home health care, assisted living facilities, and nursing homes.
The program’s national network of Long Term Care Specialists can help you:
For more information, and to receive a complimentary informational booklet, click here or call CLTC at 800-303-1527.
Accidental Death & Dismemberment Insurance
Spectrum has partnered with the Affinion Group and Federal Insurance Co. to offer members Accidental Death and Dismemberment (AD&D) Insurance coverage at low group rates.
Members who enroll will receive $2,000 of Accidental Death and Dismemberment Insurance at no cost and have the opportunity to purchase additional coverage in increments between $25,000 and $300,000. The price for additional coverage is $1.00/month (individual) and $1.50/month (family) per $10,000 of coverage.
Premiums for any additional coverage purchases are automatically deducted from members’ Primary Share or Checking accounts quarterly every January, April, July, and October.
For more information, please call the Affinion Group at 877-309-6576.
Auto and Homeowners Insurance
Liberty Mutual Insurance Group's Savings Plus Program offers Spectrum members discounted rates for auto and homeowners insurance. Premiums are quoted on an annual basis and are not subject to increase every 3-6 months like most insurers. You even have the option of paying your premium automatically with a monthly deduction from your Spectrum account. For a free quote, call 800-225-8281, or visit them online at www.libertymutual.com.
Mechanical Breakdown Insurance/Select Member Protection
Spectrum offers valuable insurance/member protection policies that protect your car and your wallet. Our Mechanical Breakdown Insurance for California drivers (MBI)/Select Member Protection (SMP) for all other states is designed to help protect you, the buyer of a new or preowned automobile, against mechanical failure of your vehicle's major mechanical components.*
For more information, call 888-750-4124 or visit your local branch.
*Some restrictions apply for MBI on used vehicles.
Protect Your Good Credit
Even If You Sit At A Desk All Day ...
But accidents can happen anywhere - not just in so-called "high-risk" settings. And folks in every type of work environment, from insurance brokerage to education to retail sales, are just as likely to become seriously ill as their acquaintances in more potentially hazardous jobs.
Credit Disability Insurance protects your family's lifestyle should you become unable to make your monthly loan payments due to injury or illness. If you're single, the affordable coverage protects the good credit rating you've worked so hard to establish. And that's smart planning, no matter what kind of job you have.
For more information, visit your local branch or call us at 800-782-8782.
Credit Disability Insurance is underwritten and administered by Life Investors Insurance Company of America (in all states except CT, ME, NY), Monumental Life Insurance Company (in CT & ME only), and AUSA Life Insurance Company, Inc. (in NY only).
Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Credit Care can help relieve financial pressure in the event of death, disability or involuntary unemployment.
With Credit Care, your loan balance or monthly loan payments will be cancelled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected.
Definitions of Coverage
Cancel Any Time
A Benefit for You
Please consult with one of our representatives to discuss our Credit Care program in more detail.