KEY FEATURES
The types of plans available for your consideration include the following:
Medical Insurance
Benefit plan designs include fully insured options from Blue Cross Blue Shield, United Healthcare, Humana, Assurant, Wellpath, Guardian, and American Medical Security.
Limited benefit plans available through Symmetra. There are also self-funding options that can be explored based on your group size.
Long & Short Term Disability Insurance
Disability income insurance which replaces your income in the event of an illness or injury not covered by workers compensation.
Can be offered as an employer pay benefit or on an individual basis at no cost to the employer.
Dental
Benefits include coverage for preventative, basic and major dentistry, sometimes including orthodontia care.
Can be offered as an employer pay benefit or on an individual basis at no cost to the employer.
Life and Accidental Death & Dismemberment Insurance
Life Insurance provides death benefits, which may also include cash value, investment options, retirement income and other living benefits to the insured.
Can be offered as an employer pay benefit or on an individual basis at no cost to the employer.
Vision
Benefits include coverage for eye refraction lenses, frames and contact lenses. Most plans provide an eye examination once every 12 months, with lenses and frames every 24 months.
Can be offered as an employer pay benefit or on an individual basis at no cost to the employer.
Long-Term Care Insurance
Long-Term Care insurance provides protection for expenses which are not covered under standard medical insurance programs. Benefits available for custodial care or personal care for people with chronic health conditions or disabilities such as arthritis, Alzheimer's disease or Parkinson's disease.
Shareholders/Key Person Insurance
Key person insurance will allow the business to indemnify itself in the event of a key employee or shareholders death. Key employee insurance can also be used as an executive retention tool. Highly paid executives are often discriminated against under traditional group benefits arrangements.
Retirement Plans
There are several qualified plan options to choose from which can be structured for the benefit of the owners and/or employees.
