Group Benefits

​Health insurance is usually one of the foundational benefits of a comprehensive benefits package. With health insurance, you're able to see doctors and receive treatments at a highly reduced out-of-pocket rate. Since health insurance is often most affordable through an employer-provided plan, you'll want to make sure that you are offering this benefit to eligible employees.  If you aren’t offering it, your competition will be.

​. Short-term disability insurance provides you with a percentage of your pay if you're unable to work because of a short-term injury or illness, usually categorized as 12 weeks or fewer off work. Often, short-term disability includes childbirth coverage.

Many employers include dental insurance as an add-on to the provided health insurance plan. In most cases, it's highly affordable for you, the employee, through your employer, and allows you to see a dentist or other dental professional for preventative and emergency treatment. This can be offered as a voluntary benefit or you can contribute towards the employees premiums as well

Long-term disability provides some income in the event of an injury or illness that keeps you from working for a long period, like several years.

Vision insurance often functions like dental insurance — it's a health insurance add-on policy that allows you to seek vision care and purchase contact lenses and glasses at reduced rates. Usually, you can add family members like a spouse and children to all your health insurance plans, so they also receive healthcare benefits.  This can be offered as a voluntary benefit or you can contribute towards the employees premiums as well.

A life insurance policy provides a death benefit to your selected beneficiaries, usually a spouse, children or other immediate relatives, in the case of your death while working for the company. Many companies also include accidental death and dismemberment insurance with life insurance that provides a payout to an employee's loved ones. You can offer a Flat Death Benefit Amount, such as $10,000 or $25,000 or more, and you can also match death benefits to a multiple of annual income.  There are no medical questions up to a certain amount of death benefits but may be required if exceeding the limit per the contract.