Supplemental Benefits

What do you think is the most important factor in recruiting and retaining employees?

Voluntary benefits provide an edge when employees weigh the value of their jobs.

83% of employees think more highly of employers that offer voluntary insurance benefits than those that don’t*
90% of prospective employees believe it’s important that companies offer a full range of health benefits, including voluntary*
67% of workers say that having their employer provide voluntary benefits would increase their productivity at work*

*Data from national survey conducted for Empire BlueCross BlueShield’s parent company

Medical Bridge

Medical Bridge is an individual Hospital Confinement Indemnity Insurance plan that provides lump sum benefits for hospital confinements, out-patient surgery and other expenses.
Medical Bridge policies typically offer five plan options. Each plan has various levels of benefits payable for Hospital Confinement and Outpatient Surgery to help with out-of-pocket expenses associated with covered accidents or covered sicknesses.
A Wellness Screening Benefit pays $50 for one of the covered wellness tests you may normally have each year.
A Waiver of Premium benefit is included.
Medical Bridge is portable at the same rate should the insured leave, change jobs, retire, etc.
Medical Bridge includes coverage for birth as long as it is not a preexisting condition on the effective date of coverage.
This coverage does not coordinate with any of the insured’s other medical coverage; therefore, the insured will receive 100% of the covered benefits.

Disability Insurance

Monthly benefits range from $400 through $5,000 in $100 increments.
Partial disability available if insured returns to his job or any other job working less than 20 hours per week, after being totally disabled for at least one month.
Partial Disability pays up to 3 months at 50% of Total Disability.
Waiver of Premium after 90 continuous days of disability.
Guaranteed Renewable to age 70.

Cancer Insurance

One of the features that your employees will enjoy is the ease of filing claims with the easiest being the Wellness Benefit on this Cancer plan. This is simply filed over the telephone by dialing an 800 number, giving the name of the doctor, the phone number of the doctor’s office, and which wellness test they had completed. This can be done 24 hours-a-day, 7 days-a-week.
This coverage does not coordinate with any of the insured’s other medical coverage; therefore the insured receives 100% of the covered benefit.
The Cancer plan is portable at the same premium should the insured leave, change jobs, retire, etc.

Critical Illness

Critical Illness Insurance is designed to provide the Insured with 100% of their chosen amount of coverage for events such as Heart Attack, Stroke, End Stage Renal Failure, and Major Organ Transplant. It is a simple form of Critical Illness coverage due to the lump sum payments, so there are no on-going claims.
This coverage does not coordinate with any of the insured’s other medical coverage; therefore the insured receives 100% of the covered benefit.
Critical Illness coverage is portable at the same premium should the insured leave, change jobs, retire, etc.
Premiums do not increase with age.

Accident Care

Employees can choose between on and off job coverage or off job only coverage.
An employee’s spouse can elect disability coverage through this product at the same group rate as the employee.
Employees may insure their spouse and/or children without insuring him or herself, if desired.
This coverage does not coordinate with any of the insured’s other medical coverage; therefore the insured receives 100% of the covered benefit.
Employee, spouse and/or children are covered for accidents due to sports.
This coverage is portable at the same premium should the insured leave, change jobs, retire, etc.

Universal Life Insurance

Term Life Insruance

Covers large need at low costs
Flexible
Rates are locked in for term of the policy
Death benefit does no decrease
Guaranteed renewable
This is portable at the same premium should the insured leave, change jobs, retire

Whole Life Insurance

Offers lifelong protection
Guaranteed protection, premiums and cash value
Spouse coverage available
This is portable at the same premium should the insured leave, change jobs, retire