Everything You Need to Know About Employee Benefits
How do you attract exceptional employees to your business and once you have great employees on board, how do you keep them from jumping ship? One way is by offering
Workplace Benefits
Policies start at just $2/week
Today’s employment marketplace is very competitive. A robust benefits package helps attract and retain quality employees. Voluntary benefits allow employees to customize their benefits package while addressing their unique needs and situations.
Only 39% of Americans have enough savings to cover a $1,000 emergency. Premiums for Voluntary Benefits are deducted via employee payroll.
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What are voluntary benefits?
Cash benefits paid to those covered by supplemental insurance such as accident, life, critical illness, disability, and more. These benefits are called voluntary, or limited benefit, to distinguish them from major medical policies. Employees enroll and pay premiums through a payroll deduction.
How can benefits be used?
Benefits are paid directly to the insured employee unless assigned to someone else. The cash is often used to cover insurance gaps (deductibles, co-pays, etc), replace income lost during an illness or accident, and pay a mortgage or rent. The insured can, however, use the cash for anything they desire.
BENEFITS
Employer Advantage
No Profit Loss
No impact on your bottom line; premiums are employee-paid
Reduce Turnover
Rounds benefit packages, helping you recruit and retain top talent
Gaining Commitment
Improved employee satisfaction and workplace engagement
BENEFITS
Employee Advantage
Pay Cash Benefits
Benefits are paid in cash that corresponded with covered conditions, accidents, or diagnoses
Flexible Utilization
Benefits can be used for various purposes based on the personalized plan ex. gaps in major medical coverage
Affordable Group Premium
Employee gets more benefit with less premium through convenient payroll deduction
American Heritage Life Insurance
- American Heritage Life Insurance Company is rated A+ by A.M. Best.*
- The company provides most of the voluntary benefit policies in force in the U.S.
- Lowes, Home Depot, Wal-Mart, Target and Disney are offering American Heritage Life Insurance policies to their employees.
*A.M. Best ratings reflect Best’s opinion of the relative financial strengths and operating performance
American Heritage Life Insurance's
LIMRA Rankings
#
25
Critical Illness
#
30
Accident
#
10
Cancer
#
50
Universal Life
#
100
Medical Products
#
50
Total Health
American Heritage Insurance Company's
Voluntary Benefit Products
Accident
Pays a benefit for a covered accident, injury and treatment received; includes 24-hour and off-the-job coverage options to choose from
Cancer
Pays cash benefits for a covered cancer diagnosis and 29 specified diseases; the benefit can help pay for treatment, surgery, medical appliances, and more
Critical Illness
Pays a lump-sum cash benefit when diagnosed with a covered critical illness; wellness and recurrence coverage is also available
Disability
Pays monthly cash benefit for a covered sickness or off-the-job injury that leaves insured totally or partially disabled, helping alleviate daily living expenses
Hospital Indemnity
Pays a benefit to help cover the out-of-pocket hospitalization cost when major medical deductible has not been met, helping provide a financial safety net
Life
Provides a lump-sum cash benefit to help pay financial expenses, bills and more; 20 Year Term, Term to Age 100, Group Whole Life and Universal Life options
Guardian Dental
Dental exams play an important role in a person’s overall wellness and are benefits employees routinely ask for
EyeMed
Vision exams play an important role in a person’s overall wellness and are benefits employees routinely ask for