Critical Illness Insurance

Heart attack and stroke are examples of common critical illnesses that often lead to unexpected medical bills. Critical illness insurance can help you by paying a lump-sum benefit to help cover your daily living expenses, such as grocery bills, mortgage payments, transportation costs or pay for your out-of-pocket medical costs, including deductibles, copays and coinsurance.

  • You receive a lump-sum cash benefit, which is paid directly to you (unless otherwise assigned) in addition to your medical insurance.
  • You pay an employee group rate, so it costs less than buying coverage on your own.
  • There are no pre-existing condition limitations.
  • No Evidence of Insurability is required if you enroll during Open Enrollment, with a qualifying life event or as a new hire.
  • Ability to keep your coverage if you leave the Company (with certain stipulations).

Coverage Options

YNHHS offers these additional benefits to help meet the diverse needs of our employees. Available to full- and part-time employees scheduled to work 24 or more hours per week. Coverage is available for you, your spouse and eligible dependent children. If elected, your coverage is paid through payroll deductions.

When can I enroll?

You can enroll in this benefit during annual Open Enrollment through bswift, our enrollment website.

Ready to Enroll?

Learn about your YNHHS benefits by visiting our virtual benefits fair. Then, to enroll or make changes to your benefits, visit bswift, our secure, online enrollment website. Check out this video to learn how to enroll through bswift. If you are a new hire and enrolling prior to your start date, please refer to this document.

Once you reach the login page, you’ll be prompted to enter your YNHHS username and password. If you are enrolling before your hire date, use this link to visit bswift and follow the temporary username and password instructions there. If you run into problems, call HRConnect at 844-543-2147. Need more info first? You’ll find details at HRConnect.

Visit Virtual Benefits Fair
Visit bswift
Watch How to Enroll Video

Automatic Enrollment in 403(b)/401(k) Plan

As a new employee, you’re automatically enrolled in the 403(b) plan for YNHHS employees or the 401(k) plan for Lawrence + Memorial Hospital employees. You can increase or decrease your contribution at any time.

When Benefit Changes Are Allowed

After you enroll, you can make changes only during annual open enrollment or within 31 days of experiencing a qualifying life event:

  • Marriage
  • Divorce
  • Childbirth/adoption
  • Coverage loss or gain

You must submit documentation that supports the event.

Click here to learn how to process a life event on bswift.