Supplement your employees’ coverage with benefits that can be added for a premium discount – a savings of up to 15% off the premium compared to buying it separately.

Life Insurance

• Guaranteed issue up to $30,000 per employee (amount depends on medical plan selected)
• Additional amounts can be purchased up to $500,000

Short Term Disability

• Select coverage up to 66% of an employee’s weekly salary
• Offer amounts based on a percentage of your employee’s salary
• Or offer a fixed amount from $50 to $1,000 per week

Dental Insurance

• Enjoy first-dollar coverage for preventive services
• Option to purchase as a stand-alone product for groups of three or more

Health Savings Account (HSA*) Save more with HSAs

• Spend tax-free dollars for qualified medical expenses
• Save money on a tax-deferred basis
• Carry unused account balances from year to year (no, use-it-or-lose-it regulation)

Health Reimbursement Arrangement (HRA*) Save more with HRAs

As the employer, you determine:

• The maximum amount of annual reimbursements, if any
• Who pays health care expense first – employees or employer through HRA reimbursements
• Whether HRA funds may be rolled over to the next year and the amount that can be rolled over
• Whether to cap the amount that can be accumulated over time

Employee Choice

• Offer more than one plan to employees
• Accommodate groups with multiple business locations