残障保险

在员工受伤的情况下保护他们.

残疾保险保护你的依靠.

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残疾 insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. 我们会为你制定一个计划.

为因生病或受伤而造成的临时收入损失提供保险.

而员工可以自己购买个人伤残保险, businesses that pay for a disability insurance plan as part of their employee benefits package often find that it is a great way to recruit staff and make them feel valued. 残疾 insurance pays out to an employee of your business who is unable to work because of 疾病 or injury. Typically this pay out is equal to 60 percent of their typical salary and is often paid as tax-free income.

选择短期和长期保险方案.

当你为你的员工选择计划时, you can offer just short-term coverage (which is usually capped at six months) or long-term coverage (which runs for several years or even until retirement age). Other disability insurance options include payments that specifically cover the employee’s mortgage or other loans.

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员工福利
团体健康保险
风险因素

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. 这通常从你的团体健康保险计划开始.

解决方案

不管公司的财务状况如何, there are ways to make health insurance available to your employees and their dependents. 提供健康保险不一定会让你倾家荡产. There are many solutions available to small, mid-size, and large employers.

团体人寿保险
风险因素

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their 家庭 when the need arises.

解决方案

团体人寿保险计划可以让你的员工放心, 知道他们的家人在需要的时候会有可用的资源. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. 团体人寿保险也可免税.

残疾
风险因素

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

解决方案

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. 员工可能在其他地方得到更高的工资, 但是,如果因为怀孕而停止支付工资,他们会得到保护吗, 疾病, 或其他残疾? 他们将如何支付抵押贷款或其他账单? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

集团牙科保险
风险因素

Failure to have regular dental checkups can lead to more serious problems than a toothache.

解决方案

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. 牙龈疾病与心脏病和糖尿病有关. 及早发现这些问题不仅有助于员工的健康, it may help reduce your long-term health insurance costs before a big claim hits!

视力保健覆盖率
风险因素

类似于牙科保险, 如果你的员工没有定期做眼部检查, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

解决方案

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, 成为一个具有成本效益的, 早期干预的工具.

自愿保险
风险因素

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, 这两种情况都会让你付出高昂的代价.

解决方案

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. 自愿承保的例子包括:

  • 重大疾病、医院赔偿和癌症保险.
  • 生命,依赖生命,短期和长期残疾保险.
  • 牙科保健.
  • 视力保健.

合规审计
风险因素

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

解决方案

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

让员工有机会在恢复工作前完全康复.

Offering disability insurance is also a great way to ensure that injured or sick employees take the time necessary to properly heal, 然后带着良好的身体状态,没有压力地回去工作. This prevents employees from rushing back to work before they are fully healed, which could lead to worsening of their condition and even longer recovery times in the future.

Unique from workers’ compensation and social security disability insurance.

It’s important not to confuse disability insurance with some other programs. It is different than workers’ compensation insurance (a mandatory insurance program paid for by employers that pays out if an employee is injured at work) and social security disability insurance (a government program for people with serious long-term conditions or disabilities who are unable to take on employment).

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