Group Medical - Group health insurance often costs less than would have been charged had the insurance company sold individual policies to each member separately. In addition, group health insurance often contains special coverage that are not available or are very expensive on an individual basis. The purchasing power of the group makes this economically feasible. Policies typically cover doctor visits, preventative care, surgery and hospitalization for ongoing illnesses as well as prescription drug coverage.
Group Life - Life Insurance protects employees and their families from financial hardship in the event of death. Group life insurance is typically term life insurance where a portion of the premium is usually paid for by your employer. Most employees receive this coverage without having to submit medical evidence.
Group Dental - Dental insurance provides protection for expected and unexpected dental costs. Group dental is available through your employer generally at a discounted rate. Most group dental insurance plans feature coverage for preventive, basic, and major services.
Group Short and Long-Term Disability - Disability insurance provides a benefit to eligible employees who are partially or totally disabled due to a covered physical disease, injury, pregnancy or mental disorder. Group Short and Long-term disability is available through your employer at discounted rates. Your disability insurance policy will stipulate when you are eligible to begin receiving benefits. Usually, you must be unable to work for a specified amount of time before disability benefits begin to be paid to you. The amount of the payments, the duration of coverage, and a description of exactly what constitutes a disability are contained in the policy.
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