Life and AD&D
Protecting our family’s financial future when an unexpected life event occurs is vital. Using Life and AD&D insurance to protect against financial loss due to death or accidental injury is one way an employer can assist in providing additional protection. There are many options available for you to provide this coverage to your employees. Generally, basic life and AD&D is provided by the employer but not all employees have the same financial requirements. Offering supplemental coverage, on a employee paid basis, is just one way to assist in a more customized benefit program for your employees at no cost to you.
Disability Disability insurance protects families in the event the wage earner suffers a disability and is unable to work. Did you know that the likelihood of a disability occurring during one working year is 2 to 3 times greater than the risk of dying during that same time period? Offering Short and Long Term Disability programs for your employees’ provides the financial protection needed in the event of an accident or severe illness.
Voluntary Voluntary insurance programs can complement an employers’ portfolio of benefits offered to employees. These programs can be individual based or offered on group platform that allow for guaranteed issue amounts. The options available to employees are 100% paid for by the participant, which doesn’t add additional cost to your bottom line benefit cost. These plan offerings will allow your employees to better customize their benefit program.
These types of programs include:
Supplemental Accident,
Critical Care,
Voluntary Disability Insurance,
Additional Life insurance, or
Cancer policies
Our consultants at G-S Consulting can help design plans that protect your employees and their families at affordable costs to you and your staff.