Value-added programs and services provided through Insure Care:
• Work-life balance employee assistance program

The work-life balance employee assistance program, available as part of group long term disability and life insurance, can help you and your employees find solutions to many of life’s challenges.

Services include:
– Around-the-clock, toll-free phone access to master’s-level consultants for confidential advice and personalized searches and referrals
– Up to three face-to-face sessions to provide advice and identify resources to help with more serious issues
– Online resources, including interactive self-assessment tools
– Online financial calculators to help evaluate what kind of home you can afford, how long it will take you to pay off a credit card, how to plan for retirement and more
– Booklets, downloadable CDs and in-depth articles
– Dedicated Hispanic service center, printed resources in Spanish and multi-lingual capabilities in 140 languages

• Worldwide emergency travel assistance services
Whether you travel for business or pleasure, our worldwide emergency travel assistance is there to help you when an unexpected emergency occurs. Anytime of the day or night, you, your spouse or dependent children can get immediate assistance when you (or they) travel to any foreign country. Services include:
– Medical consultation and evaluation
– Hospital admissions guarantee
– Emergency medical evacuation
– Critical care monitoring
– Prescription replacement assistance
– Medically supervised repatriation
– Emergency message service
– Transportation for a friend or family member to join the hospitalized patient
– Care for minor children
– Emergency trauma counseling
– Assistance in the return of a vehicle
– Legal and interpreter referrals

• Survivor financial counseling services
These services are included with life insurance benefits. Personalized financial advice and assistance is provided following the death of a covered loved one, or during a terminal illness suffered by you or a covered spouse.

Services include:
– Highly trained counselors to answer questions that arise
– Personalized, objective financial advice
– Telephone financial counseling
– A personal financial plan

Online resources available through Insure Care:
• Reference system for virtually all employment topics, reviewed for accuracy by employment law experts, Constangy, Brooks & Smith, LLC
• All state and federal employment laws, including recent state law changes

Employee Benefit Plans
http://www.emersonreid.com/products.php

Employee Benefit Plans - Optimized Benefits
http://www.optimizedbenefits.net

Heath Advocate
http://www.healthadvocate.com

Long Term Disability
http://www.njltc.com