Ancillary Benefits

We’ve got the products you need to help round out the health insurance component of your employee benefits program. Whether it’s employer funded or offered on a voluntary basis, we can provide the following:

• Dental
• Vision
• Disability
• Long-Term Care
• Group Life

Dental and Vision

We’ve simplified the dental and vision benefits selection process so you can provide budget friendly plans for your company’s most valuable asset, your employees.

Disability

Short-term disability-Coverage starting as soon as 3 days with terms extending for 3,6 or 12 months

• Long-term disability-Coverage typically starts after a 90 day waiting period and can extend for years, up to age 65 and even for a lifetime
• Business Overhead Expense (BOE)-Pays the insured’s business overhead expenses if he/she becomes disabled
• Buy/Sell-for small businesses with partners and is often coupled with an individual disability policy, it allows a company to remain operating if one of the owners becomes disabled

Long-Term Care

Coverage that provides nursing home care, home healthcare, adult day care coverage for individuals 65 or older with a chronic or disabling condition that needs constant support. Long-term care helps protect assets, give people a choice about care and eases the burden on family members

Group Life

Group life insurance can include Term, Whole or Universal