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Disability Insurance

Protect your employees in the event of an injury.

Disability insurance to protect who you rely on.

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残疾保险保护你的员工免受暂时收入损失,是优质员工福利计划的基本组成部分. We’ll implement a plan structured just for you.

Covers temporary loss of income due to illness or injury.

While employees can take out personal disability insurance themselves, 将残疾保险计划作为员工福利计划的一部分的企业经常发现,这是招聘员工并使他们感到受到重视的好方法. 伤残保险支付给你的企业员工谁是无法工作,因为疾病或受伤. 一般来说,这种支付相当于他们典型工资的60%,通常作为免税收入支付.

Choose from short and long-term coverage options.

When choosing a plan for your employees, 你可以只提供短期保险(通常以六个月为上限)或长期保险(持续数年甚至直到退休年龄). 其他残疾保险选择包括专门支付雇员的抵押贷款或其他贷款.

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Employee Benefits
Group Health Insurance
Risk Factor

吸引和留住优秀员工的主要因素之一是雇主提供的福利计划. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, 有很多方法可以为你的员工和他们的家属提供医疗保险. Offering health insurance doesn’t have to break the bank. 有许多解决方案适用于小型、中型和大型雇主.

Group Life Insurance
Risk Factor

当员工担心自己的财务状况时,他们的工作效率可能会降低. 今天许多人没有人寿保险或足够的储蓄来支付最后的费用, 当有需要时,哪些会给员工和/或他们的家庭带来额外的压力.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. 保单还可以包括一项受抚养人福利,帮助员工支付他们的受抚养人去世后的费用. 另一个解决方案是提供自愿终身福利,员工通过工资扣除支付的保费比他们自己投保时支付的保费要低. Group life insurance is also tax deductible.

Disability
Risk Factor

许多雇主面临着提供比竞争对手更低的工资,发现很难找到和留住合格的工人.

Solution

提供短期和/或长期的残疾项目可以为未来和现在的工人提供另一种形式的经济稳定. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? 提供残疾计划的雇主可以让员工安心,并且比那些没有残疾计划的雇主更有优势.

Group Dental Coverage
Risk Factor

没有定期进行牙齿检查可能会导致比牙痛更严重的问题.

Solution

为员工提供牙科保险可以帮助他们定期去看牙医. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, 在大笔索赔到来之前,这可能有助于降低你的长期健康保险费用!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, 他们可能有潜在的疾病,如心脏病或糖尿病,这些疾病可能会在以后出现,给你的医疗计划带来更大的费用.

Solution

提供视力保健保险是提供健康福利的一个非常实惠的组成部分. 这是一揽子福利中价格低廉的一部分,回报价值高,可以帮助抵消医疗费用增加的影响, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

不能满足员工的个人需求可能会对员工的保留和吸引新人才构成威胁, both of which can be costly to your bottom line.

Solution

提供自愿保险可以让你的员工选择对他们重要的福利. 这是一种经济有效的方式,可以提供各种各样的福利,对你每月的保费影响很小或没有影响. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

合规审计正在增加,劳动部的罚款可能代价高昂. 如果收到审计信,你是否已经准备好了所有的文件和文书工作?

Solution

一个好的利益经纪人会教育你的合规性,让你准备好迎接那可怕的一天. 包装文件涵盖了所需的大部分内容,其余的表格应易于获取,并附有分发给员工和/或合格参与者的证明.

Give employees the opportunity to fully recover before returning to work.

提供伤残保险也是确保受伤或生病的员工有时间适当康复的好方法, and then return to work in good physical shape and without stress. 这可以防止员工在完全康复之前匆忙回去工作, 这可能会导致他们的病情恶化,甚至在未来需要更长的恢复时间.

独特于工伤赔偿和社会保障伤残保险.

重要的是不要把残疾保险和其他一些项目混淆起来. 它不同于工伤保险(一种由雇主支付的强制性保险计划,如果雇员在工作中受伤,就会得到赔偿)和社会保障残疾保险(一种为患有严重长期疾病或残疾而无法就业的人提供的政府计划)。.

Want to know more about disability insurance for your employees? Reach out! We’re happy to chat through your options.

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