Employee Benefits
Insurance

1. Core Benefits (What Most Employees Expect)
   These are the essentials that form the base of your employee benefits plan.

• Group Health Insurance:
  One of the most valued benefits, group health coverage helps your employees and their families pay for medical care. Group rates often make this more affordable than individual coverage. 
• Group Life Insurance:
  This coverage gives an employee’s family financial support if the unexpected happens. Many employers offer basic coverage at no cost to the employee. 
• Group Dental and Vision Insurance:
  Dental and vision plans help cover common costs like cleanings, fillings, eye exams, and glasses. These benefits are affordable and highly appreciated. 

2. Ancillary (Voluntary) Benefits
   These are extra coverage options employees can choose to add on. They often don’t cost the employer anything, as employees typically pay for them themselves. Still, they add meaningful value to your overall package.

• Disability Insurance: Replaces a portion of an employee’s income if they can’t work due to illness or injury. Options include short-term and long-term coverage.
• Critical Illness Insurance: Pays out a lump sum if the employee is diagnosed with a serious condition like cancer or heart disease. The money can be used however they need it.
• Accident Insurance: Covers specific injuries and provides a cash benefit when an employee has a covered accident.
• Hospital Indemnity Insurance: Pays a set amount per day when an employee is hospitalized, helping with extra costs that add up quickly.

Other Options
Depending on your team’s needs, you can also offer voluntary plans like legal services, identity protection, pet insurance, and more.