Voluntary group benefits such as dental, vision and disability insurance are some of the most sought after benefits you as an employer can offer your employees.
"By integrating all health benefits to work in tandem, the cost of ancillary benefits can, to some extent, be offset through early detection and treatment of more serious medical procedures." Karen Gusten LLIF and vice president group marketing and managed care, Ameritus Group.
Michigan Dental Insurance - Most employers say that dental insurance is the most important benefit they can offer after medical insurance. Having a dental benefits package helps with an employees' overall health and can increase employee loyalty. Golm Insurance offers a variety of affordable dental plans and features. Along with being able to choose dental plans, you as the employer, are able to choose payment options which can range from employer-pay-all to employee contribution options.
Types of covered services can include: preventative and diagnostic; basic; major; and orthodontic.
Michigan Vision Insurance - One of the best preventative health measures available is a comprehensive eye exam. In an order to promote wellness, many employers offer vision plans as a way to keep employees healthy. Eye exams not only can help with vision loss, but can also detect other serious health issues such, diabetes, high blood pressure, high cholesterol, multiple sclerosis, and brain tumors.
Whether you choose a voluntary or employer-sponsored plan, cost containment will be a top priority. We have flexible benefit solutions with small businesses in mind.
Michigan Disability Insurance - Disability insurance helps employees pay bills that still keep coming even though they are disabled from being sick or from an accident and are no longer receiving a paycheck. Whether you offer Short Term Disability (less than 180 days of coverage), or Long Term Disability, or both, being able to protect themselves from lost wages gives employees peace of mind and enables them to concentrate on recovery in order to return to their jobs.
Coverage options available for an employer to choose from include: off-the-job coverage, 24 hour protection or both, resulting from injury or illness. Contributory (employee pays all or a portion of the premium) or non-contributory (employer pays 100% of the employee's premium) plans.
Short Term Benefit options can include a flat benefit amount or a benefit percentage. Elimination periods starting as soon as the first day. Benefit duration selections and a pre-existing condition limitation.
Long Term Benefit options can include monthly minimum and maximum benefits, benefit duration options, survivor benefit options along with other long term benefit protections.
Special attention is paid to employer and employee satisfaction by communicating insurance coverages effectively. For further information about Michigan Dental, Vision, and Disability Insurance for your business, please contact Golm Insurance Agency by going to our contact us page.