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Few things are more devastating than a death or a disabling injury or illness. Secondary to the financial strain, the physical and emotional toll of a death or disability can be overwhelming. Unfortunately, many employees feel more strongly about insuring their homes and automobiles than they do about insuring their ability to earn an income.
Employer-
Our plan evaluations review components of your plan including plan design, benefit structure, plan funding, eligibility and coverage. We support you and your employees in your communication strategy with employees, needs assessment, enrollment, and ongoing education.
You and your employees have a critical need for life, accident, illness and disability protection. Did you know employers can make these important benefits available with no impact to their bottom line?
Group Critical Illness Insurance
Group critical illness insurance provides your employees a way to stay ahead of the
medical and out-
Cancer (certain policies available as stand-
Heart attack
Stroke
Major organ transplant
Renal failure (end-
Carcinoma-
Coronary Artery Bypass Surgery
Connect with Ocelot Group for a full plan evaluation to see how your voluntary offerings stack up in terms of coverage, benefits, cost, network options, and more.
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Group Accident Insurance
Employees may not have considered some of the expenses that add up after an accident — especially the everyday bills that continue to arrive, such as home mortgage or rent, automobile payments, grocery and utility bills. The cash benefits they will receive when unanticipated medical and everyday expenses begin to add up (following an accident) will help them maintain their everyday lives following such an accident.
Events that trigger benefits payments may include:
Fractures
Dislocations
Medical fees
Wellness
Hospital admission
Ambulance rides
Physical therapy and more.
Hospital Indemnity Insurance
Employees may not be prepared for hospital-
Hospital indemnity plans can help enhance and supplement any medical plan because they pay cash benefits when injury or sickness happens. Since hospital stays and expenses can quickly add up, hospital indemnity insurance helps cover these expenses, so your employees can focus their efforts on getting better instead of worrying about bills. It is important to note hospital indemnity policies are available in a HSA compliant format.
Traditionally, policies may cover things like:
Hospital Admission
Hospital Confinement
Emergency Room Visits
Surgery and Anesthesia
Hospital Intensive Care
Out-
Well Baby Care.
Group Whole Life Insurance
Group whole life insurance is a way for employees to protect their loved ones’ futures. They’ll appreciate the opportunity to apply for coverage that fits their paychecks and lifestyles, and the fact that they can keep the coverage in force even when they retire or change employers makes these plans ideal in certain circumstances.
Generally coverage amounts are available up to $100,000 with spouse coverage up to $50,000. These types of policies have a cash value that builds at a guaranteed rate of return. Group whole life insurance via voluntary benefits generally don’t require blood/urine samples like most individual whole life policies and eligibility is determined with just a few medical questions. Many policy premiums never increase for the benefit amount selected now.