We offer a variety of employee benefits including health insurance, dental insurance, vision insurance, short and long-term disability, group life insurance, and more.
How do I enroll in employee benefits?
Enrollment typically takes place during open enrollment periods. Your employer will provide specific instructions.
Can I change my benefits during the year?
Changes are generally only allowed during open enrollment periods, unless there is a qualifying life event.
What is the waiting period for short-term disability benefits?
The waiting period for short-term disability benefits typically ranges from a few days to a week.
What is the maximum benefit period for long-term disability?
The maximum benefit period for long-term disability can vary depending on the plan. Some plans offer benefits for life, while others have a specified duration.
What is the definition of disability for these plans?
The definition of disability is outlined in your plan documents. It generally requires you to be unable to perform your own occupation or any other suitable occupation.
What factors affect the cost of individual health insurance?
The cost of individual health insurance is influenced by several factors, including your age, location, health status, and the type of plan you choose.
Can I enroll in individual health insurance at any time?
You can enroll in individual health insurance during open enrollment periods or if you qualify for a special enrollment period due to a qualifying life event.
What is the pre-existing conditions clause in individual health insurance?
The pre-existing conditions clause may limit coverage for certain conditions that existed before you enrolled in the plan. However, the Affordable Care Act has made significant changes to pre-existing conditions coverage.
What is the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage plans are all-in-one plans that combine Medicare Part A, Part B, and sometimes Part D. Medicare Supplement plans work with Original Medicare to cover some of the gaps in coverage.
Do you offer Medicare Part D prescription drug plans?
Yes, we offer Medicare Part D prescription drug plans.
How do I choose the right Medicare plan?
We can help you choose the right Medicare plan based on your needs and budget.
