Page 18 - XPO 2020 Open Enrollment Guide
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 16 | Added Benefits
Generally, you can elect Added Benefits at any time and pay through convenient post-tax payroll deductions. However, if you want to enroll in the Legal Assistance Plan or Aflac Supplemental Health Benefits (Critical Illness, Accident or Hospital Indemnity insurance), you must do so during Open Enrollment.
Legal Assistance Plan
The Legal Assistance Plan, administered by ARAG Legal Insurance, gives you and your family direct access to attorneys for personal legal matters. The program offers:
• Access to over 13,000 in-network attorneys
• Telephone consultations
• Office consultations
• Coverage for many personal legal matters
• Online access to ARAG Legal Insurance’s attorney locator and common legal forms
Supplemental Health Benefits
XPO offers supplemental insurance through Aflac that helps with out-of-pocket expenses not covered by health insurance. Each program pays cash benefits directly to you to be used however you choose. During Open Enrollment, you can enroll in Critical Illness Insurance, Accident Insurance or Hospital Indemnity Insurance.
Kashable Loan Program
The Kashable Loan Program offers low-cost loans to pay down expensive debt or cover unexpected expenses, such as auto repairs, home maintenance or medical expenses. You can take advantage of this program at any time during the year.
Identity Theft
The Identity Theft program helps to protect your identity, including identity and credit monitoring, social media reputation monitoring, full-service fraud remediation with a dedicated Privacy Advocate and alerts on financial account transactions.
Group Insurance
Through Added Benefits, you can access a rate tool to get automobile insurance quotes from Liberty Mutual, MetLife and Travelers. You can also request quotes on a variety of personal insurance, including homeowners and renters.
Perks at Work
Perks at Work is a free discount program that can help you balance work and life. Explore discounts from more than 30,000 merchants to save on travel, electronics, tickets, restaurants, flowers, home, apparel and more.
Want details? Visit the or call 877.679.0985.

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