| Group Life, STD, LTD and LTC |
There are benefits that are much more affordable if purchased as a group
than if purchased individually. If you are a business owner or manager,
there are various group benefits that you can offer to your employees at a
very low cost that are key to employee retention and recruitment.
These benefits include:
Group Life Insurance- Generally:
This is Term Life Insurance that you can purchase for yourself and your
employees for literally as low as pennies a day. This life insurance is
typically purchased in selected equal amounts for each employee (i.e.
$50,000.), or in proportion to each employee’s salary. This is an important
benefit to your employees, and one that you can offer at a minimal cost.
Group Short-Term and Long-Term Disability- Generally: These plans
are designed to compensate you or your employees for lost wages, for a
period of time, if you are unable to work due to accident or illness. These
plans are typically structured to pay you a percentage of your wages (i.e.
60%), for a pre-determined period of time. These plans are also generally
very affordable and provide financial support in case of a temporary or
extended disability.
Group Long-Term Care Insurance- Generally:
These plans are designed to pay for you or your employee’s long-term care,
typically in an institutional setting, if you or your employee are unable to
take care of yourself. This a type of coverage that becomes more relevant
with the increasing age of our population. Group Long-Term Care
Insurance coverage is also available at reasonable prices.
than if purchased individually. If you are a business owner or manager,
there are various group benefits that you can offer to your employees at a
very low cost that are key to employee retention and recruitment.
These benefits include:
Group Life Insurance- Generally:
This is Term Life Insurance that you can purchase for yourself and your
employees for literally as low as pennies a day. This life insurance is
typically purchased in selected equal amounts for each employee (i.e.
$50,000.), or in proportion to each employee’s salary. This is an important
benefit to your employees, and one that you can offer at a minimal cost.
Group Short-Term and Long-Term Disability- Generally: These plans
are designed to compensate you or your employees for lost wages, for a
period of time, if you are unable to work due to accident or illness. These
plans are typically structured to pay you a percentage of your wages (i.e.
60%), for a pre-determined period of time. These plans are also generally
very affordable and provide financial support in case of a temporary or
extended disability.
Group Long-Term Care Insurance- Generally:
These plans are designed to pay for you or your employee’s long-term care,
typically in an institutional setting, if you or your employee are unable to
take care of yourself. This a type of coverage that becomes more relevant
with the increasing age of our population. Group Long-Term Care
Insurance coverage is also available at reasonable prices.
Copyright © HealthSpectrum, Inc. All rights reserved.
Your Resource to Affordable Employee Benefits
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