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GROUP PRODUCTS

Add valuable life and disability coverage to your basic employee health benefits package.

Term Life and Accidental Death & Dismemberment (AD&D)

Group Term Life coverage is an essential component to an employer’s benefits program, and provides low-cost protection for employees and their families.

Basic group term life and supplemental life coverage can be sold to groups with as few as two employees. These benefits are sold on a guaranteed-issue basis, based on the group size.

In addition, our Accidental Death & Dismemberment (AD&D) group life companion product doubles the face amount of a life policy in the event of accidental death. AD&D insurance provides around-the-clock coverage for employees in the event of accidental death, severe injuries, or paralysis resulting from accidents on or off the job.

Short Term Disability

Short-term disability plans offer group coverage that protects employees from a temporary loss of income due to accident, sickness or physician-care pregnancies and provides employers with an extra measure of cost savings should one of their employees become disabled for a short period of time, usually 3-6 months. Available to groups of two or more, this helpful coverage provides replacement of up to 70 percent of income for up to 52 weeks. It can be paid entirely by the employer or the cost can be shared.

Long Term Disability

If an employee became disabled, how would they pay the bills and support their family? Long Term Disability (LTD) insurance can help. LTD coverage usually begins where the short term insurance policy leaves off, replacing a portion of salary if the insured becomes disabled due to accident or sickness. It can be paid entirely by the employer or the cost can be shared.

Providing 24-hour-per-day coverage for both occupational and non-occupational disabilities, LTD is available to full time employees in groups of two or more.

Limited Medical Benefit Plans (Indemnity Based, Not Group Health Coverage)

Select Benefits enables employers to offer inexpensive, basic health and life benefits to employees in order to encourage routine physician visits. Benefits can be offered to full-time, part-time, hourly and seasonal workers. No employer contribution required. Employer must have 5 full-time W-2 employees on payroll in order to offer the coverage, with a minimum of 5 or 10% of eligible employees enrolled.