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Supplemental coverage · For owners & employees

Protect Your Income, Health, and Financial Stability

Unexpected injuries, hospital visits, or serious illnesses can create financial stress — even for people with health insurance. We offer three simple coverage options designed to help protect you, your family, and your income when life takes an unexpected turn.

View SickPay PlusGet more information

SickPay Plus

Accident & sickness coverage

What it does. Provides monthly cash payments if you're unable to work due to injury or illness.

Key benefits

  • Monthly income protection. Choose $800, $1,000, $1,500, or $2,000 per month.
  • Covers both injuries and illness. Accidents included automatically; optional sickness coverage available.
  • Three levels of protection. Minor conditions (flu, sprains); moderate conditions (surgery, fractures); serious conditions (cancer, heart attack, stroke).
  • Pays you directly. Use the money for rent, bills, groceries, or anything you need.
  • No waiting period for accidents. Coverage begins immediately once active.
  • Flexible payment duration. Benefits can last up to 6 months depending on condition.
  • Guaranteed renewable. Coverage can continue up to age 72.

Ideal for

  • Employees without paid sick leave
  • Hourly workers
  • Self-employed individuals
  • Anyone who relies on consistent income

Hospital indemnity coverage

Cash for hospital stays

What it does. Provides cash payments for hospital stays to help cover deductibles, out-of-pocket costs, and everyday expenses.

Key benefits

  • Hospital admission benefit. $500, $1,000, or $1,500 paid upon admission.
  • Daily hospital stay payments. $100 per day (up to 365 days).
  • ICU support. Additional $100 per day for intensive care stays.
  • Outpatient & support benefits. Doctor visits, observation care, diagnostic testing.
  • Optional surgery benefit. Additional payout for outpatient procedures.
  • Pays in addition to health insurance. Works alongside your existing coverage.
  • Cash paid directly to you. Use funds however needed — medical bills or living expenses.
  • Family coverage available. Options to include spouse and children.
  • Waiver of premium. No payments required while hospitalized.

Ideal for

  • Individuals with high-deductible health plans
  • Families with children
  • Anyone wanting protection from unexpected hospital costs

Critical illness coverage

Enhanced Plus available

What it does. Provides a lump sum cash payment if diagnosed with a serious illness such as cancer, heart attack, or stroke.

Key benefits

  • Large lump sum payment. Coverage amounts from $5,000 to $100,000.
  • Covers major conditions. Cancer, heart attack, stroke, organ failure, and more. Enhanced plans include additional conditions like Alzheimer's and Parkinson's.
  • Triple benefit potential. Can receive up to 3× the coverage amount for separate conditions.
  • Recurrence benefit. Partial payout if the same condition returns.
  • No hospitalization required. Paid upon diagnosis of a covered condition.
  • Mortgage & expense support. Monthly assistance if unable to work during recovery.
  • Hospital admission benefit. Additional payments for hospital stays related to the condition.
  • Family protection included. Children covered at no additional cost (percentage of policy).
  • Fixed rates. Premiums do not increase due to age.
  • Pays regardless of other insurance. Works alongside any existing health or work coverage.

Ideal for

  • Individuals with family history of serious illness
  • Primary income earners
  • Parents and homeowners
  • Anyone seeking financial protection for major health events

How these coverages work together

Each plan addresses a different kind of risk

  • SickPay Plus

    Replaces lost income

  • Hospital indemnity

    Helps cover hospital costs

  • Critical illness

    Support for major diagnoses

Many individuals choose to combine coverage for more complete protection.

Get more information

Interested in learning more or getting a quote? Fill out the form below and a licensed representative will reach out with personalized options.

A licensed representative will follow up with personalized options. This form is not an application for coverage.

Educational use only. Laundry Pro does not issue insurance. Products described may be offered by licensed carriers; availability, benefits, limitations, and exclusions vary by state and plan. Nothing on this page is an offer or guarantee of coverage.

For laundry services: Contact, call (734) 883-6714, or email ypsi@laundrypromi.com.