Employee Benefit Plans
Group major medical, which includes:
• Dental and vision – employees can choose to purchase separately
• Pharmacy discount
• Vision plan – Eye exams as low as $45.
Glasses as low as $98
• Up to 50%off membership dues for over 1,500 locations nationwide including Gold’s Gym, Bally’s Fitness, Curves and more

• Health Advocate – A trained professional (typically an RN) available 24 hours a day to help with:
– Finding the right doctor
– Resolving insurance claim issues
– Assisting with eldercare and Medicare issues
– Assisting in transfer of medical records and understanding test results
– Locating and researching the newest medical treatments
– Scheduling appointments
• Human Resources help –
– Online access for employees to their own benefit page
– Your company’s specific information on the same page
including company calendar and announcements
– Includes commonly used forms such as direct deposit form, vacation request form and more

Long Term Disability, Short Term Disability, Life Insurance,
Long Term Care Insurance

These exclusive discounted programs offered through Insure
Care include coverage to replace your income in case you are
disabled and not able to work.

Group Long Term Disability Coverage
• $15,000 per month in the event of a disability
• Benefits payable to age 65
• Spousal Disability Rider – $1,500 per month for spouses
• Disability Plus Rider – Additional 20% to $5,000 per month
• 3 Year Rate Lock

Group Short Term Disability Coverage
• New York State Disability Coverage
• Enhanced Short Term Disability Coverage – $3,000 per week
• 3 Year Rate Lock

Group Term Life Insurance Coverage
• Flat Benefit or Times Salary Benefit Options – Up to $500,000
• Portable and Convertible options available
• 3 Year Rate Lock

Group Long Term Care Insurance Coverage
• Up to $6,000 monthly benefit–Guarantee Issue (no medical underwriting)
• Indemnity Model–No receipts for coverage required
• Portable Policies
• Level Premiums