Ancillary Benefits

shutterstock_124922909Dental, Vision, Life & Disability Insurance

To compliment group medical and prescription benefits many employers offer company-paid insurance for dental, vision, life and disability.  These benefits have been proven to help attract and retain highly qualified individuals and increase overall employee satisfaction.

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    Dental

    IMPORTANCE OF ORAL HEALTH

    Regular dentist visits can do more than keep your smile attractive, they can tell dentists a lot about your overall health, including whether or not you may be developing a disease like diabetes.

    New research suggests that the health of your mouth mirrors the condition of your body as a whole. For example, when your mouth is healthy, chances are your overall health is good, too. On the other hand, if you have poor oral health, you may have other health problems.

    Research also shows that good oral health may actually prevent certain diseases from occurring.

    Other research shows that more than 90 percent of all systemic diseases (diseases involving many organs or the whole body) have oral manifestations, including swollen gums, mouth ulcers, dry mouth and excessive gum problems. Such diseases include:

    • Diabetes
    • Leukemia
    • Oral cancer
    • Pancreatic cancer
    • Heart disease
    • Kidney disease

    Since most people have regular oral examinations, their dentist may be the first health care provider to diagnose a health problem in its early stages. Seeing a dentist regularly helps to keep your mouth in top shape and allows your dentist to watch for developments that may point to other health issues. A dental exam can also detect poor nutrition and hygiene, growth and development problems and improper jaw alignment. Provide your dentist with a complete medical history and inform him or her of any recent health developments, even if they seem unrelated to your oral health.

    DENTAL INSURANCE PLANS

    • Plans available from basic coverage to those including orthodontics
    • PPO and HMO plans available
    • Can be offered on a company paid or voluntary basis


    Visionshutterstock_81154963

    Eyes are windows to your overall health

    • Eye exams are an important part of maintaining your eye health, no matter how old you are.
    • Many common vision conditions are correctable with the help of an eye care professional and a prescription for corrective lenses.
    • Even if you’ve had laser vision surgery or have naturally good vision, you still need an annual eye exam.
    • Eye exams support eye health and overall health.

    VISION INSURANCE PLANS

    • 12 and 24 month examination frequency options
    • Contact, Frames & Lens Coverage
    • Can be offered on a company paid or voluntary basis

    Life Insuranceshutterstock_63799822

    Fact: Six Million Households With Children Under 18 Have No Life Insurance Protection

    TERM LIFE INSURANCE AND AD&D

    Protect your employees. Employer-sponsored term life policies help give your employees peace of mind while meeting your needs for cost management.

    • Group term life and AD&D coverage
    • Flexible plan designs and liberal Guarantee Issue amounts
    • Competitive rates
    • Multiyear rate guarantees
    • Accidental death & dismemberment (AD&D) standalone coverage available
    • Can be offered on a company paid or voluntary basis


    Disability Insuranceshutterstock_81311647

    Fact:1 in 3 Under age 65 Will Become Disabled For 90 days or more

    SHORT-TERM DISABILITY INSURANCE

    Short-term disability insurance helps give your employees financial protection should they miss work for several weeks.

    Short-term disability insurance includes:

    • Flexible plan designs with generous maximums
    • Competitive rates available for most occupations, including blue collar
    • Multiyear rate guarantees available
    • Integration with other income benefits
    • First-day benefits available for accidents
    • Can be offered on a company paid or voluntary basis

    LONG-TERM DISABILITY INSURANCE

    Long-term disability insurance helps provide your employees financial protection should they miss an extended period of work.

    Long-term disability insurance includes:

    • Flexible plan designs with generous maximums available
    • Progressive Partial Disability Benefit with return to work incentive
    • Up to 100% pre-disability earnings with partial disability benefit and part-time earnings
    • Days of total or partial disability can be used to satisfy the elimination period
    • Return-to-work incentive for the duration of the claim
    • Vocational rehab benefit
    • Reasonable accommodation benefit
    • Employee assistance services included at no additional charge
    • Can be offered on a company paid or voluntary basis