Why Employee Benefits Make Sense
Insurance benefits are a powerful tool for attracting and keeping the best and brightest employees for your company. Most employers offer health insurance group plans as an employee benefit, but there are a number of other types of insurance plans that are routinely offered as voluntary employee benefit plans. We connect you with all of the most common employee benefit insurance plans including:
Dental care is expensive and coverage is not included under most health insurance plans. Dental insurance that provides coverage for emergency and preventive dental care is a valued employee benefit.
With nearly 50% of the U.S. population using corrective lenses, vision care insurance is an attractive employee benefit. Vision insurance promotes good eye health and provides cost-effective preventive care in addition to paying for a selection of corrective eyewear for your employees.
Life and AD&D
Life insurance is a vital financial planning tool, but many employees avoid seeking it out on their own. A unit life insurance plan is a valuable employee benefit, with or without an AD&D (accidental death or dismemberment) component. AD&D also pays out if an employee loses a limb or the sight in one or both eyes.
Long-term disability insurance policies pay out benefits if an employee is severely ill or disabled and can’t work for a long period of time. Nearly 1 in 5 working people will suffer a serious disability that lasts five years or longer, making long-term disability a valuable and valued part of the employee benefit package.
Nearly two-thirds of Americans live from paycheck to paycheck, and even a short illness or disability can seriously disrupt their lives. Their disruption can be bad news for your company if it results in reduced productivity or the loss of a good employee. Short term disability benefits provide a steady income to help pay the bills when an employee becomes ill or is injured in an non-job-related accident.
Accident insurance is a low-cost, fixed-benefit insurance program that pays out benefits for accidental injuries or deaths. There are no health questions and no limitations for pre-existing conditions. The policies generally cover hospitalizations, fractures, emergency room visits, exams, physical therapy and other defined benefits.
Cancer and Critical Illness
One in two men and one in three women are at risk for developing cancer in their lifetimes.
Cancer insurance provides fixed benefits for early detection, screenings, hospital stays, adiation/ chemotherapy, surgery and hospice care. Unlike health insurance, which pays providers for services, cancer and critical illness insurance as an employee benefit is paid out directly to the employee and can be spent in any way, including to cover out-of-pocket expenses, pay for alternative care or cover medical or non-medical expenses.
We can help you with many different kinds of employee benefit insurance plans that help make your company an attractive one for potential employees.