Group Insurance

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium—in many cases, employers pay one-half or more of the monthly premium for an employee.

Major Medical

Major medical health insurance is typically characterized by high deductibles, low monthly premiums and typically covers only major hospital and medical expenses above a certain deductible.

Life

To put it simply, life insurance protects those who depend on your paycheck. If you die prematurely, life insurance provides your dependents with ongoing income to replace yours, until (or unless) they can live comfortably without it

Dental

This insurance is designed to pay a portion of the costs associated with dental care.

Vision

The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending on the plan chosen.

Short Term Disability

This coverage pays a percentage of your salary if you become temporarily disabled due to sickness or injury (excluding on the job injuries which are covered under workers compensation insurance).

Long Term Disability

When an employee cannot work for an extended period of time, a long term disability plan can help covers a portion of the employee’s salary. Long Term Disability usually kicks in after a short term disability policy runs out.


International