Worksite Benefits, sometimes called Voluntary Benefits, offer affordable coverage to your employees, do not require employer contributions, and minimize administrative expenses. Through comprehensive worksite benefits, employees are gaining access to supplemental or enhanced coverage that otherwise might not be available to them. The diversity of benefits offered by insurance companies is very large. The most common benefits include: a) short-term disability insurance, b) life insurance, c) hospital confinement indemnity insurance, d) accident indemnity insurance, e) specified disease (including cancer) insurance, f) individual and group dental plans and vision plans, and g) Section 125 or Administrative Services benefiting both employers and employees with potential tax savings.
Worksite Benefits may be the best answer to an employer’s need to reduce benefit costs while still maintaining and recruiting top talent.
Interested in more details? Please, contact us by phone at 305-665-4508 or by e-mail at ibpalicio@uwmanagers.com.
Posts Tagged ‘affordable-health insurance’
Are You Offering Worksite Benefits To Your Employees?
Wednesday, December 9th, 2009
DISABILITY INSURANCE
Friday, August 28th, 2009Your income is often your largest asset. If you take what you earn today and multiply it by the number of years you expect to work, you have an idea of the financial security that would be compromised in the case of a disability.
Disability happens.
Disability income insurance replaces a portion of your income if you become disabled and are no longer able to work. Most of us insure our homes and vehicles against risks, but nevertheless, many of us do not insure ourselves against the risk that we might not be able to earn an income due to a an illness or accident.
Although some employers offer group disability income insurance, it should be supplemented with individual disability income insurance, since group policies are usually not portable, and bonus and pension benefits may not be covered.
We offer an individual disability income insurance that does not require medical or financial underwriting. This is a great product for a small business owner or self-employed individual who has the income and the need for the insurance, but cannot prove it on paper.
Interested, or have a friend or client who may be interested? Give us a call at 305-665-4508.
DISABILITY INSURANCE I
Thursday, August 27th, 2009Did you know??
Three in ten working Americans will experience a long-term disability during the working years. According to the 2002 U.S. Bureau of Census, more than 50 million Americans were classified as disabled.
Disabilities today are tending to last significantly longer than before. In 1981, a 40 year-old might be out of work with a disability for 4.3 years. In 2005, a 40 year-old’s disability could last 6.6 years.
Advances in medicine mean illnesses that used to result in death, now often result in disability. For example, while deaths from heart disease dropped 29%, disabilities from heart disease increased 36%.
Every 30 seconds someone files for bankruptcy in the wake of a serious illness.
TRAVEL MEDICAL INSURANCE
Sunday, August 16th, 2009The travel medical insurance that we make available to you offers the best possible protection if you have a sudden and unexpected illness or injury when traveling abroad. It covers you all year round on all your trips abroad, for up to a month per trip, for about $163, or less than 45 cents per day. If you travel less often, the cost starts at $48.45 plus $3.71 per travel day. We also offer optional trip cancellation and nonmedical benefits.
This travel medical insurance has an unlimited maximum cover per person per trip plus 100% coverage of:
● Hospitalization
● Outpatient treatment by a doctor/specialist
● Prescribed medicines
● Ambulance transportation
● Medical evacuation/repatriation
● Evacuation (think of hurricanes)
● Return trip
● Compassionate emergency visit
● Next-of-kin accompaniment
and much more.
Wouldn’t you like to enjoy peace of mind on all your trips abroad?
If you don’t travel abroad, but know someone who does, please do them a favor, give them a copy of this Chit Chats and have them call us.
Have questions? Call us at 305-665-4508 or visit the Travel Insurance section of our website at www.insurance-investments-uwm.com