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Employers know that healthy employees are productive employees. So, when it comes to promoting good health, employers know that choosing the right health insurance plan is important. But what about those things that aren't covered by your health insurance plan - like life and income protection insurance?  Consolidated Benefits,Inc. is committed to providing employers with affordable supplemental products that give their employees the security they need to take care of their families.

Life Insurance

Term Life is a relatively low-cost product that pays a death benefit to the beneficiary of a member who is enrolled under a group plan. Benefits can be provided as a flat sum or as a percentage of salary. Employers can elect to pay all or a portion of the premium for their employees.

Dependent Life provides employees with coverage in the event of a death of a spouse or child. Benefits for the spouse cannot exceed 50 percent of the employee's basic life benefit and cannot exceed $10,000 for dependent children. Participation guidelines must be met when selecting this benefit.

Supplemental Life enhances an employee's benefit package by offering additional life insurance coverage. Employees typically pay all or most of the premium and select the amount of additional coverage. Participation requirements must be met with this program.

Disability Insurance

Short-Term Disability provides weekly benefits to members who are disabled as a result of a non-occupational illness or accident. Benefits are provided as a percentage of salary for up to six months.

Long-Term Disability coverage usually starts after short-term disability coverage has been exhausted. Some plans provide benefit payments up to a specific age or for a specific number of years. Benefits are provided as a percentage of income during a prolonged disability.

Executive Carve-out Long-Term Care  provides a select class of employees with benefits as a way to attract and retain top performers as well as reward key employees. Underwriting concessions and tax deductions may be available. 

Accidental Death and Dismemberment

Accidental Death and Dismemberment (also known as double indemnity) are additional life insurance benefits paid to a beneficiary when the member dies as a result of an accident. Benefits can be provided as a flat sum or as a percentage of salary. Employers can elect to pay all or a portion of the premium for their employees

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