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Group Voluntary Insurance

Accident Plan Options

Take Comfort in Knowing You Have Financial Support For Accidents

Today, active lifestyles in or out of the home may result in bumps, bruises, and sometimes breaks. Proper treatment can be vital to recovery but can also be expensive. And if an accident keeps you away from work during recovery, the financial worries can multiply.

Most major medical insurance plans only pay a portion of the bills. Coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. You can gain financial support thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment needed to be on the mend.

Accident Insurance Through Your Employer May Include Benefits For:

  • Injuries: such as fractures, dislocations, concussions, lacerations, eye injuries, torn knee cartilage, ruptured discs, and severe burns. (Chip fractures are paid at 25% of the Fracture Benefit, and partial dislocations are paid at 25% of the Dislocation Benefit)
  • Medical Services and Treatments: such as ambulance, emergency care, therapy services, medical testing (including X-rays, MRIs, CT scans), medical appliances, and certain types of surgeries. 
  • Hospitalization: hospital admission, confinement, and inpatient rehab after an accident.2
  • Additional Benefits: such as accidental death, dismemberment, loss, paralysis, and supplemental benefit for lodging.

Critical Care & Cancer Plan Options for Business

A Critical Care And Cancer Plan Can Help You Live Well While Getting Well.

No one is ever really prepared for a life-altering critical illness diagnosis or treatment. These can include heart issues, cancer, stroke, paralysis, or other severe conditions you or your family might be prone to developing. The whirlwind of appointments, tests, treatments, and medications adds stress and potentially life-altering changes for you and your family.

The recovery treatment is vital, but it can also be expensive. Health insurance, if you have it, only pays doctors and facilities, covering only some of the costs associated with treatment. You’re still responsible for deductibles and coinsurance. Treatments may prevent you from returning to work, with financial worries overgrowing, and may be prolonged for an extremely long time.

Critical Illness coverage helps provide financial support if you are diagnosed with a covered critical illness. With the expense of treatment often high, seeking the treatment you need could seem like a financial burden. When a diagnosis occurs, you need to be focused on getting better and taking control of your health, not stressing over financial worries.

Statistically, one in two men and one in three women will encounter cancer in their lifetimes. The mortality rate is higher for women than men.

 

Disability, Long-Term, and Short-Term Insurance

Help Protect A Portion Of Your Paycheck From Unexpected Illness And Injury That Keeps You From Working.

Disability Insurance

Like most, unless you know someone who has been disabled, you may not see the value of Disability insurance. You may think it won’t happen to you, but you are vulnerable to lost income if it does.

An injury or sickness may slow you down, but it won’t slow down your monthly bills. Expenses such as house and car payments or daily living expenses such as groceries and gas will still need to be paid. Disability insurance can help replace your lost income and help ensure your finances are not depleted.

Get The Compensation And Care You Deserve

Almost every employee looks at employer benefits before accepting a job or will leave an employer because of benefits. You can offer group saving discount plans as an employer, so why not provide them? 

The most important asset is “you” and your ability to earn an income while building a future nest egg to live on later in life.

What happens if you cannot perform your work functions due to an illness or serious injury?

Why Should You Have A Disability Plan In Place As Soon As Possible?

  • Employee retention and attracting new employees.
  • Income Loss is the number 1 reason for bankruptcy and poverty.
  • 1 in 7 working-age people has a movement disability impacting work and lifestyle.
  • 5% of people become disabled each year.
  • 1 in 4 people today (61 million) live with a disability.
  • Less than 1% of disabilities were work-related.
  • The average Social Security Disability Check is only $700

Click here to talk to us about insurance options.