1. Direct Payment
Supplemental benefit plans pay the policy holder directly, in the form of checks or direct deposit, in the case of injury and/or critical illness and cannot work.

2. Guaranteed Acceptance
All supplemental benefit plans administered by Forza are what is known as Guaranteed Issue, meaning that the employee or union member cannot be denied coverage during open enrollment.

3. Portable and Flexible
All supplemental benefit plans are made portable. This means that if the policy holder leaves their workplace or retires, they have the option to keep them.

4. Locked in Rates
Supplemental benefit plan rates do not increase, ever, for any reason. The policy holder can file as many claims as necessary and their rates will not go up.