Group & Voluntary Life/ AD&D:
Group Life Insurance/ AD&D is an important benefit.
— The coverage costs are usually much less than if the employee purchased an individual policy, and the employees appreciate the value of a Life insurance policy and the additional security it provides to their family.
— These plans can be offered as Employer Paid or on a Voluntary basis.
— Guarantee Issue is available.
— Dependent Life is also available on these plans
For more information about how to provide this valuable benefit to your employees, click here.
Group & Voluntary Disability
Long Term Disability (LTD) and Short Term Disability (STD)
“Paycheck” insurance is something that all employees need. It protects the one thing that most people need the most when they cannot work, their Income. We can help find a plan, whether it be Short or Long Term Disability that can help make this option affordable to the Employer AND the Employee.
Short Term Disability pays a percentage of a paycheck (typically 60%), should an employee become disabled due to accident or illness, and benefits are typically payable weekly for 12-26 weeks, depending on the plan design selected. If Long Term Disability is also offered, then the length of the Short Term Disability benefit period will align with the elimination period of the LTD plan. Long-term disability insurance usually lasts for the length of the disability or until retirement.
