At Prime Benefit Solutions, we understand the importance of providing comprehensive employee benefits that go beyond traditional healthcare coverage. That's why we offer a range of ancillary products designed to enhance the well-being of your workforce. These ancillary products are additional benefits that can be added to your company's benefits package, offering employees extra layers of protection and support. By offering these options, you can demonstrate your commitment to the holistic health and security of your employees.
Life insurance is a fundamental component of financial planning and security. By offering life insurance as an ancillary product, you provide a death benefit to the beneficiaries of an employee in the event of their passing. This benefit helps cover funeral expenses, outstanding debts, and mortgage payments and replaces lost income, ensuring that the employee's loved ones are financially supported during a difficult time.
Dental and Vision Insurance
When it comes to prioritizing your employees' overall well-being, Prime Benefit Solutions has you covered with our comprehensive dental and vision insurance plans. We provide access to trusted insurance carriers, ensuring that your employees receive affordable and quality dental and vision care. Our coverage includes routine check-ups, preventive care, eye exams, prescription glasses, contact lenses, and a range of dental and vision treatments. By considering our dental and vision insurance options, you demonstrate your commitment to their health and empower them to maintain healthy smiles and clear vision. These insurance plans enhance the overall quality of life for your employees, giving them the peace of mind that comes with comprehensive coverage from reputable professionals.
Long-Term Disability (LTD) Insurance
In the event of an extended period of disability, long-term disability insurance is crucial for maintaining an employee's financial stability. LTD insurance offers a percentage of their pre-disability income, providing income replacement to help them manage their financial obligations during their prolonged absence from work. By including LTD insurance in your benefits package, you demonstrate your commitment to supporting employees throughout their recovery process.
Short-Term Disability (STD) Insurance
Temporary disabilities or illnesses can still have a significant impact on an employee's ability to work and earn income. Short-term disability insurance offers a percentage of the employee's pre-disability income, providing income replacement during their recovery period. By offering STD insurance, you can help your employees manage their finances while they focus on getting back to full health.
Hospital Indemnity Plans
Hospital stays can lead to unexpected out-of-pocket expenses, even with regular health insurance coverage. Hospital indemnity plans provide a fixed benefit amount for each day an employee is admitted to the hospital, helping to offset deductibles, co-pays, and non-covered services. This coverage ensures that employees have the financial support they need during their hospitalization, allowing them to focus on their recovery rather than worrying about the associated costs.
Accidental Death and Dismemberment (AD&D) Insurance
While accidents are unpredictable, their consequences can be devastating. AD&D insurance offers financial protection to employees and their families in the event of accidental death or specific injuries resulting in dismemberment or loss of certain bodily functions. By including AD&D insurance in your benefits package, you provide your employees with additional peace of mind, knowing that they and their loved ones will be protected in case of severe accidents.
Critical Care Insurance
Serious illnesses can have a significant impact on an employee's life, both emotionally and financially. Our critical care insurance, also known as critical illness insurance, provides a lump sum benefit to employees who are diagnosed with covered critical illnesses such as cancer, heart attack, stroke, or organ failure. This benefit helps alleviate the financial burdens associated with medical treatments and expenses during recovery, allowing employees to focus on their health and well-being rather than worrying about the financial implications.
At Prime Benefit Solutions, we are committed to helping you explore and implement the ancillary products that best align with your company's needs and the preferences of your employees. Our experienced team will guide you through the process, offering expertise in plan design, comparing different providers, and ensuring seamless integration of these benefit options into your overall benefits package. Contact us today to discover how our ancillary products can enhance your employee benefits and promote the well-being of your workforce.