| Medical Insurance
Medical care benefits cover expenses related to hospital, surgical
and physician services provided to an employee and eligible
dependents.
You can tailor a medical program to meet the needs of your employees
by choosing from a wide range of plans with optional deductibles
and co-payment amounts, including High Deductible Health Plans.
Group Term Life Plan
You can help make benefits available to your employees based on
benefit options you set such as a multiple of earnings, occupation,
years of service, or some combination of those factors.
Group Dental Insurance
For groups of five or more employees, cost-effective dental plans
are available which combine managed care with freedom of choice.
Plans can cover only preventative and basic services or comprehensive
dental care.
Short-Term Disability
Paying a disabled employee's salary while simultaneously funding
replacement help can put you in a bind. Short-term disability coverage
provides a short-term disability income benefit to help free your
operating funds for more critical business needs.
Long-Term Disability
Long-term disability coverage helps protect disabled employees against
loss of income and, as a result, helps you manage the substantial
expense of prolonged disability leaves. Available to groups of 15
or more employees, the plan is structured to promote quicker returns
to work by disabled employees. This long-term disability plan contains
a wide range of flexible features to help you meet your plan design
and cost management goals. The partial disability benefit provides
a financial incentive for employees on long-term or short-term disability
to return to work on a part-time basis.
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