Group Plans
Group Disability Insurance
Long-Term Disability (LTD)
In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Long Term Disability (LTD) insurance is designed to help cover the employee’s expenses while their regular income is interrupted. Flexible plan design options and benefit alternatives are available to meet specific needs. This valuable protection is available with low-cost, tax-deductible premiums.
Short-Term Disability (STD)
A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short Term Disability (STD) insurance is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible short-term insurance plan can provide needed benefits to both the employer and employee.
Group Life Insurance
Group life insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families. Employers have a wide variety of optional plan designs to customize a Group Life Insurance plan. Optional coverages include Voluntary Life insurance, Supplemental Life coverage, Accidental Death and Dismemberment policies, and Dependent Life insurance.
Group Health Insurance
In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet cost efficient for your business. Insurance Plus Medicare Brokers are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage. With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
Group Dental Insurance
Dental insurance is not typically included in your standard health insurance coverage, but can be purchased or added to your individual or family health insurance plan. There are a variety of different dental insurance plans which offer services ranging from preventative to restorative procedures. Depending on the type of plan and coverage, orthodontics may or may not be included, so be sure to consult with your health insurance broker about the details of your dental insurance.