Group Benefit Programs
Benefit Statements
Personalized benefit statements that help employees understand the full scope of their compensation package and the investments employers are making in them. Employers can customize statements from a simple to an elaborate document format.
Business Travel and Accident Insurance
Available to employees while traveling on company business or, if preferred, on a 24-hour basis.
Comprehensive Legal Plan
Provides affordable access to legal services including fully covered legal advice and assistance for the most frequently needed personal matters.
Dental Insurance
Offered as traditional indemnity, managed care, or self-insured dental programs, this insurance pays a portion of the cost of preventative dental care and other covered dental procedures.
Long-Term Care Insurance
A valuable benefit that can protect employees and their families from the catastrophic cost of long-term care. There are programs for nursing home care and both skilled and unskilled home care.
Long-Term Disability Insurance
Its primary purpose is to provide income protection for prolonged periods of disability.
Short-Term Disability Insurance (DBL)
Provides partial income replacement for employees who meet the definition of disability with statutory short-term disability benefits as required by New York State law. Enhanced option plans are available, with buy-up options of up to $1,000/week for a maximum of 26 weeks.
Term Life/Accidental Death and Dismemberment Insurance (AD&D)
Term life provides benefits to an employee’s beneficiary upon death, while the AD&D policy provides benefits to the employee or beneficiary for dismemberment or death resulting from accidental bodily injuries. Spouse and dependent coverage are also available.
Vision Care
Group plans give employees and their families access to a Preferred Provider Organization and provides vision care products at wholesale cost, plus a small dispensing fee. Self-insured programs and insured plans that include eye exams and other features are also available.
Voluntary Programs (Payroll Deduction)
Auto, Homeowners, Renters, and Condominium Insurance
Provides employees and family members with automobile, homeowners, renters, and condominium insurance on a discounted group basis (may have geographic restrictions in New York State).
Cancer Insurance
Deals directly with the unexpected costs associated with a cancer diagnosis. There are also built-in incentives to utilize wellness services.
Specified Disease Insurance
Added protection that provides employees and/or spouses a lump sum benefit upon the diagnosis of a covered specified disease.
Legal Plan
Gives employees and their families access to legal advice through a monthly fee or at discounted hourly rates.
Life/Accidental Death and Dismemberment Insurance
Provides employees, their spouses, children, and grandchildren the opportunity to obtain personal life insurance coverage at affordable rates. Employees need not participate in order to insure other family members.
Long-Term Care Insurance
An individually-owned policy that is available to protect employees, spouses, parents, parents-in-law, grandparents, and grandparents-in-law from the catastrophic cost of expenses associated with care in nursing homes and qualifying home health care services. Disability based and/or medical reimbursement policies are available.
Long-Term Disability for Key Executives
This insurance provides quality, non-cancelable, long-term disability income insurance for key executives. Policies are individually owned.
Long-Term Disability Income Protection Insurance
Similar to Long-Term Disability for Key Executives described above, income protection can be provided for all employees, These policies are portable.
Medicare Supplement Insurance
Designed to supplement Medicare, this insurance provides specific benefits that help fill the gap in Medicare coverage.
Personal Travel and Accidental Death and Dismemberment Insurance
Offers full 24-hour, 365-day protection against accidents anywhere in the world. It covers employees at home and at work—even while on vacation. Spouse and dependent children are also eligible for this coverage.
Retirement Savings Completion Insurance
Disability type insurance for employees whose contributions to an employer-sponsored retirement plan have ceased because of disability. The policy replaces both the employee’s salary deferral amount, plus employer matching contribution amount into a trust account created for the employee’s retirement.
Short-Term Disability Income Protection Insurance
This is an individually owned short-term disability income protection plan that provides a monthly benefit for employees who are sick or injured. These policies are fully portable.
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