Employee Benefits
Group Term Life (GTL) and Voluntary Group Term Life (VGTL)
GTL and VGTL is one of the most essential benefits you can offer your employees. Coverage can provide your employees and their families the additional financial security they need in the event of an unforeseen death.
Dependent Life
Offers added protection for employees’ eligible spouse and dependent children under age 26 (may vary by state of issue).
Group Accidental Death and Dismemberment (AD&D) Voluntary Group Accidental Death and Dismemberment (VAD&D)
As a compliment to GTL, AD&D and VAD&D plans pay benefit amounts if a loss of life or dismemberment occurs as a result of a covered accident.
Group Short Term Disability (STD) and Voluntary Short Term Disability (VSTD)
STD and VSTD provide employees with partial income replacement as well as work incentive options to help your employees return to their jobs. These plans coordinate with long term disability plans if employees are unable to return to work.
Group Long Term Disability (LTD) and Voluntary (VLTD)
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.
Accident
Accident insurance provides supplemental coverage for costs associated with a covered accidental injury. Cash is paid directly to the individual to help pay the medical and non-medical expenses from minor and severe accidents.
Hospital Indemnity
Hospital Insurance pays cash directly to the insured employee to help cover a variety of medical and non-medical expenses associated with a hospital stay.
Critical Illness
Critical Illness coverage provides a lump-sum payment upon the first diagnosis of a covered illness. Benefits are paid directly to an individual over and above other insurance coverage.