Dental Insurance Planning
Dental Insurance is one of the most sought-after employee benefits. Numerous businesses provide dental insurance coverage for their employees, but an increasing number of employers are presenting this as a voluntary benefit that is paid 100% by the staff member through payroll deductions.
Most dental plans provide :
✔ Full coverage with a 100% benefit for preventive exams and cleanings,
✔ An 80% benefit for basic services such as fillings and root canals, and
✔ 50% benefit for major services and prosthodontics such as implants, dentures, crowns, etc.
Some dental insurance companies provide a dental buy-up plan that allows the employer to purchase a base plan, while staff members purchase additional benefits as necessary.
Another more recent option for dental insurance is a dual option plan that allows each staff member to choose a basic plan or a more detailed plan depending on her needs. This is a voluntary benefit, which means that each employee obtains the coverage needed for her and her family. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.
Disability Insurance Planning
7 in 10 WORKING AMERICANS Would not last one month before financial difficulties.
The moment that an accident or illness prevents an employee from working for an extended length of time, the economic impact can prove to be severe for the employee as well as for the employer. Long Term Disability (LTD) insurance is tailored to help cover the employee’s bills while their regular income is disrupted.
Flexible plan layout options and benefit choices are available to fulfill particular requirements. This beneficial protection is available with low-cost, tax-deductible premiums.
1 in 4 WORKING AMERICANS Would have financial problems immediately
A consistent income is important for the majority of people. If an accident or illness stops that income, it affects both the employee and the employer. Short-Term Disability (STD) insurance is structured to replace a portion of the lost wages whenever a short-term disability occurs.
An inexpensive, versatile short-term disability insurance plan can supply needed benefits to both the employer and the employee. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.
Long-Term Care Insurance
Did you know… over 40% of people receiving long-term care services are under the age of 65? This is one of the reasons why long-term care insurance has become a frequently requested employee benefit. Employer-based long term care insurance is an essential part of a comprehensive benefits package.
Long-Term Care is the type of care received either at home or in a facility, whenever someone needs help with activities of daily living, such as bathing and grooming as a result of an incident, an illness or advancing age.
Increasing life expectancy indicates that the potential necessity for “long-term care” becomes more serious with each and every passing year of your life. The chance is that you or a member of your family will need long-term care assistance thanks to a prolonged disorder, a disability, or general deterioration of your health and ability to conduct routine daily activities.
Many long term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for just about half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” the majority of your assets on health care. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.
Coverage for Eye Examinations, Frames, Lenses and/or Contacts.
Vision Insurance plan is particularly appealing for businesses due to the fact it is inexpensive to provide, still, it’s yet another employee favorite.
Group Vision Insurance is a separate plan that affords coverage for eye examinations and/or eyeglass frames, lenses and contacts.
Oftentimes the basic health insurance plan may provide for regular eye examinations; however, usually it will not give any benefit for eyeglass frames, lenses or contact lenses; this is where a separate group vision benefit comes in handy. Contact us at (888) 559-2339 to schedule a FREE consultation for your vision insurance in Connecticut, Ohio, New York, South Carolina, Texas, or Virginia.