Group Disability Insurance

Long-Term Disability (LTD)

In the event that an accident or illness prevents an
employee from working for an extended period of time, the financial
impact can be severe for the employee and employers. Long Term
Disability (LTD) insurance is designed to help cover the employee’s
expenses while their regular income is interrupted. Flexible plan design options and benefit alternatives are available to meet specific needs.This valuable protection is available with low-cost, tax-deductible premiums.

Short-Term Disability (STD)

A steady income is essential for most people. If an accident or
illness interrupts that income, it affects both the employee and
employer. Short Term Disability (STD) insurance is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible short-term insurance plan can provide needed benefits to both the employer and employee.

Group Dental Insurance

Group Dental Insurance is one of the benefits most requested by
employees. Many employers provide dental insurance for their employees,but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions.
Most dental plans provide full coverage with a 100% benefit for
preventive exams & cleanings, an 80% benefit for basic services such as fillings and root canals, and 50% benefit for major services and prosthodontics such as dentures, crowns, etc.

Some dental insurance companies provide a dental buy-up plan which
allows the employer to purchase a base plan, while employees purchase additional benefits as needed. Another newer option for dental insurance is a dual option plan that allows each employee to choose a basic plan or a more comprehensive plan based on his needs. This is a voluntary benefit, which means that each employee gets the coverage he needs for himself and his family.

Group Vision Insurance

A Group Vision Insurance plan is especially attractive for employers
because it is inexpensive to offer, yet it’s another employee favorite.This is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses.

Many times the basic health insurance plan may provide for routine
eye examinations; however, it will usually not provide any benefit for frames, lenses or contact lenses; this is where a separate group vision benefit would be used.

Group Long Term Care

Did you know …

Research shows that about 70% of people age 65 or older will need
long term care services at some point in their lifetime.1 This is one of the reasons why long term care insurance has become a frequently requested employee benefit.

Group Long Term Care Insurance (LTCI) is a comprehensive program

Showcasing your organization as a forward-thinking employer, group
LTCI can enhance your ability to:

• Retain and attract valuable employees with a contemporary LTCI benefit program
• Improve productivity and minimize absenteeism for employees as caregivers
• Receive potential tax advantages

When offered as part of your benefits package, LTCI provides
employees with a way to help:

• Protect their savings and assets
• Protect their family and friends from the burden of caregiving
• Protect their ability to choose where care is received

At Anchor Insurance Agencies, we are committed to helping you and
your employees.

Learn More

If you are an employer seeking to make a positive difference in the
way employees plan ahead for their future, please call us toll-free
today at 888-526-4488.

• Voluntary (employee-paid) benefits allow businesses to offer
  insurance coverage to their employees at lower, group rates. In a
  competitive marketplace, such benefits can help businesses attract and
  retain employees, without affecting the company’s bottom line.
• Anchor Insurance Agencies offers a variety of voluntary benefits.
  And as we grow our product portfolio, we are asking customers what
  they want from an insurance company, so we can create the kinds of
  coverage that employees really value.

Explore our voluntary benefits offering:

• Voluntary Disability
• Voluntary Dental
• Voluntary Critical Illness
• Voluntary Life