GROUP VOLUNTARY BENEFITS
Build a Stronger Benefit Package While Reducing Costs
Surveys consistently show that employees who have access to voluntary benefits experience higher job satisfaction and a higher overall sense of financial well-being. With rising deductibles, premiums and healthcare costs, voluntary benefits, even though employee-paid, create a financial safety-net for your employees by augmenting employer-paid benefits.
At little or no cost to you, our team of benefit consultants can help you implement a voluntary benefit program to enhance the core benefit offering, and improve the financial well-being of your employees, ultimately leading to increased employee productivity and your bottom line.
Click The Toggles Below To Learn More About The Types Of Voluntary Benefits Your Employees Can Purchase Through Pre-Taxed Payroll Deductions, At A Discounted Group Rate.
Short Term DisabilityDuring the time an employee is unable to work due to a qualifying disability (illness or injury), STD generally allows for income payments to the employee to begin after about a two-week waiting period. Accordingly, the payments will continue to pay the employee until he/she recovers or maxes out the benefits. Thus, this time period is usually anywhere between one month to two years, depending on the policy.
Long Term DisabilityDuring the time an employee is unable to work due to a qualifying disability (illness or injury), LTD generally allows for income payments to the employee to begin after about a 90-day waiting period. However, it could be much longer depending on the policy. The policy will pay the employee far longer than STD–for a few years, up to age 65, or even for life.
Dental PlansRegular dental exams help employees stay healthier and more productive in the work place. Simple routine visits to the dentist, which are usually covered 100% by insurers, help to detect serious underlying conditions such as heart disease and diabetes. The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world. Dental Plans offer a variety of diagnostic, preventative care and corrective services including cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.
Vision PlansSimilar to dental policies, vision plans are inexpensive and save money on eye and vision related healthcare services. This includes routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts. An eye exam also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
Why Group LTC?Savvy employers know that access to additional resources can increase employee productivity when confronted with managing long-term care situations. Long-Term Care plans demonstrate to your current and prospective employees that your company cares about them. Thus, you also increase your ability to attract and retain the very best talent. LTC plans provide benefits for care through nursing homes, assisted living centers, home health care and adult day care. Employers can provide a base benefit while giving the employees the opportunity to buy up the policy. Thus, they can obtain the level of coverage that they need for their families.
Some Key Features Include:
- Lump-sum cash benefit paid directly to you.
- You decide how best to spend your payment.
- No network restrictions.
- Benefit level choices to fit your needs and budget.
- Simple plan options for your needs and budget.
- NO underwriting
- NO phone interviews
- NO claim forms
- NO age limits
- NO health triggers to receive service