How Do Supplemental Benefits Work With My Medical Insurance? What Are Supplemental (Voluntary) Benefits? What Is Accident Insurance? What Is Critical Illness Insurance? What Is Hospital Indemnity Insurance? What Is Long-Term Disability (LTD) Insurance? What Is Short-Term Disability (STD) Insurance? What Supplemental Insurance Options Does LWG Offer? What Voluntary Life & AD&D Insurance Is Available? Who Can I Contact With Questions About Supplemental Benefits?