Metlife Term Life and AD&D Insurance (34 States)
AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
Employer Paid Life AD&D Options- Must Cover ALL Eligible Employees- anyone working 30 hours+
- $10k of Coverage- $1.47 per employee
- $50k of Coverage- $7.10 per employee
- $100K of Coverage- $14.10 per employee
- 2x Salary to Max of $200K- $0.152 per $1,000 of coverage 200k is $30.40 Benefit Reduces by 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
Metlife Short-Term Disability (34 States)
AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage of Wages after 7 or 14 Day Elimination Period
- 3 Month/12 Month Pre-Existing Conditions- Any Claims within the first 12 months of coverage will have a 3-month prior to coverage look back.
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf but allows for the benefit received to be tax-free
|
Option 1 |
Option 2 |
Option 3 |
Benefit Amount |
60% |
||
Max Weekly Benefit |
$ 2,308.00 |
$ 2,308.00 |
$ 2,308.00 |
Elimination Period- Accident or Sickness |
14 days |
7 days |
7 days |
Benefit Duration |
26 weeks |
||
Rate per $10 Covered Benefit |
$ 0.36 |
$ 0.44 |
$ 0.48 |
$50K Example- Monthly Premium |
$ 20.77 |
$ 25.38 |
$ 27.69 |
Metlife Long-Term Disability (34 States)
AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage after 7 or 14 Day
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
Option 1 |
Option 2 |
Option 3 |
Option 4 (gross-up) |
|
Benefit Amount |
60% |
|||
Max Monthly Benefit |
$5,000.00 |
$8,667.00 |
$10,000.00 |
$10,000.00 |
Elimination Period- Accident or Sickness |
180 Days |
|||
Benefit Duration |
Social Security National Retirement Age |
|||
Rate per $100 Covered Payroll |
$0.266 |
0.282 |
0.288 |
0.319 |
$50K Example- Monthly Premium |
$11.08 |
$11.75 |
$12.00 |
$13.29 |
Metlife- Aura ID Theft (50 States)
Comprehensive Digital Protection
- Comprehensive Digital Protection
- Financial Fraud Protection
- Identity theft protection
- Privacy Protection
- Parental Controls
- Senior Fraud Protection
- Password Manager
- Antivirus
- $5M Insurance per Adult
- 24x7 Customer support
Monthly Rates
Single Employee: $6.50
Family: $9
- All In One Easy to use App
- Financial Fraud Protection Connected to 3 Bureaus
- Dark Web & Social Media Monitoring
- Family Plans include 10 additional Adults and unlimited
Allyhealth EAP (50 States)
- Must cover All employees working at least 30 hours a week.
$5 Per Employee Per Month
OUR EAP INCLUDES
- Work-Life/Personal Concierge services, including
- Child & Eldercare Resources
- Daily Living Resources
- Legal Assistance
- Financial Assistance
- Initial assessment and referral to one of our other services provided
- Short-term, solution-focused counseling*
- 24/7 live answer from a master-level clinician
- Computerized Cognitive Behavioral Therapy
- Mindfulness Program
- Life Coaching
- Text-based Coaching
- Content Library
- In-the-moment support
- One on One Wellness Coaching- Personalized Wellness Planning – Exercise Program, Nutrition, Weight Loss Management- Up to 6 sessions per Wellness Goal
Hartford Life and AD&D (16 States)
CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Hartford- Employer Paid Term Life and AD&D Insurance- Group Billed Only
- $10k of Coverage- $1.44 per employee
- $15k of Coverage- $2.36 per employee
- $25k of Coverage- $3.98 per employee
- $50k of Coverage- $8.85 per employee
- $100K of Coverage- $15.40 per employee
- 2x Salary to Max of $200K- $0.181 per $1,000 of coverage 200k is $36.20 Benefit Reduces by 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
Hartford Short-Term Disability (16 States)
CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Hartford- Employer Paid Short Term Disability- Group Billed Only
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage of Wages after 7 or 14 Day Elimination Period
- 3 Month/12 Month Pre- Existing Conditions- Any Claims within the first 12 months of coverage will have a 3 month prior to coverage look back.
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
|
Option 1 |
Option 2 |
Option 3 |
Benefit Amount |
60% |
||
Max Weekly Benefit |
$ 2,308.00 |
$ 2,308.00 |
$ 2,308.00 |
Elimination Period- Accident or Sickness |
14 days |
7 days |
7 days |
Benefit Duration |
26 weeks |
||
Rate per $10 Covered Benefit |
$ 0.432 |
$ 0.46 |
$ 0.556 |
$50K Example- Monthly Premium |
$ 24.92 |
$ 26.54 |
$ 32.08 |
Hartford Long-Term Disability (16 States)
CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Hartford- Employer Paid Long Term Disability- Group Billed Only
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage after 180 Day Elimination
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
Option 1 |
Option 2 |
Option 3 |
Option 4 (gross-up) |
|
Benefit Amount |
60% |
|||
Max Monthly Benefit |
$5,000.00 |
$8,667.00 |
$10,000.00 |
$10,000.00 |
Elimination Period- Accident or Sickness |
180 Days |
|||
Benefit Duration |
Social Security National Retirement Age |
|||
Rate per $100 Covered Payroll |
$0.187 |
0.225 |
0.228 |
0.275 |
$50K Example- Monthly Premium |
$7.79 |
$9.38 |
$9.50 |
$11.46 |