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| Dental Insurance |
| Dental Insurance Plans are intended to encourage your employees and their eligible dependents to seek preventive dental care and to help pay expenses for restorative care and treatment when necessary. |
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| Dependent Life Insurance |
| In most states, employers are allowed to extend group term life insurance benefits to the family, in which the amounts are a small percentage of the employee’s life insurance amount. |
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| Flexible Spending Account |
| Flexible Spending Accounts (FSA's) are benefit options designed to increase an employee’s disposable income by reducing the amount of taxes they pay. An employee uses pre-tax dollars to pay for qualified health care expenses which are not reimbursed under any health care plan or insurance plan, and for qualified dependent/child care expenses. |
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| Health Insurance |
| Health Insurance provides benefit payments for covered sickness or injury, such as accident insurance, disability income insurance, medical expense insurance, and accidental death and dismemberment insurance. |
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| Life Insurance |
| A type of insurance that provides payment of a specified amount on the insured’s death, either to an estate or a designated beneficiary. |
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| Long Term Care Insurance |
| Long Term Care, a relatively new type of health insurance, is designed to fill the gaps in health insurance coverage in the event of an extended stay in a nursing home. |
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| Long Term Disability |
| Insurance issued to provide a reasonable replacement of a portion of an employee's earned income lost through serious and prolonged illness or injury during the normal work career, generally ranging from six months to life. |
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| Prescription Drug |
| This coverage offers employees discounted or co-payment options when purchasing prescription drugs. |
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| Short Term Disability |
| Short-term disability insurance coverage is designed to replace an individual's full or partial wages during a time of non work-related injury or illness that would prohibit the individual from working. |
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| Vision Insurance |
| A benefit option may include vision care, ranging from co-payment of eye exams and discounted glasses. |
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