Life, Disability, and Vision Insurance

Our Products

Able Benefit Solutions offers a variety of group and voluntary products to meet employer’s and employee’s needs.

Group and Group Voluntary Products

  • Group Term Life
    Coverage that enables you to support your employees during life’s ups and downs with a broad portfolio of flexible products designed to provide superior coverage while keeping an eye on your bottom line needs.

  • Group Accidental Death and Dismemberment (AD&D)
    Available with Group Term Life plans and pays if a loss occurred as a result of an accident. The benefit amount is 100% of the Group Term Life amount and covers injuries and dismemberments from a covered accident.

  • Dependent Life
    Offers added protection for employees’ eligible spouse and dependent children under age 26 (may vary by state of issue).

  • Voluntary Group Term Life (VGTL)
    Offers employees the opportunity to purchase higher levels of coverage for themselves and their eligible dependents at an affordable price. One more way you can show your employees how much you care.

  • Voluntary AD&D
    Allows employees to select benefits that protect their income in the event they suffer an unexpected loss due to accidental death or bodily injury. It provides full 24-hour protection against accidents anywhere in the world.

  • Group Long Term Disability (LTD) and Voluntary LTD
    Provides employees with partial income replacement for disabilities resulting from injury or sickness. This coverage includes attractive options to supplement your sick leave benefit program, and our return-to-work programs will help your employees return to their jobs sooner, improving productivity.

  • Group Short Term Disability (STD) and Voluntary STD
    Provides employees with partial income replacement, and includes attractive options such as a supplemental sick leave benefit program, seamless coordination with long term disability, and a return-to-work incentive option, which helps your employees return to their jobs sooner, saving you the cost and disruption associated with lost productivity.

  • Group and Voluntary Vision
    A vision plan for your employees promotes good eye health with plan options to fit your employee's needs.