Voluntary Benefits

Voluntary Benefits

THE BENEFITS OF VOLUNTARY BENEFITS

  • Voluntary benefits to help manage costs and provide financial protection
  • Employee choice of benefits to suit individual needs
  • Coverage options to help ease the impact of restructured health plans
  • No cost to you, employer paid options available
  • Tax savings - Section 125, including fee discounts for flexible spending accounts
  • Wellness communications and programs
  • Communication and education for all benefits with 1-to-1 benefits counseling

DENTAL / VISION

Dental

A dental product that provides the freedom to see any dentist and receive the same benefit amounts.  Plans cover a variety of dental procedures, from routine cleanings to more advanced procedures such as crowns and root canals.  Additional savings are available by visiting a network dentist.

Vision

Vision plans are not only perfect for employers looking to add value to their ancillary benefits program, they also offer affordability and promote wellness.

LIFE

Individual Term Life

A term life insurance product that offers three level term options (10, 20, and 30 year), level death benefits, family coverage and guaranteed rates.  It is guaranteed renewable to age 95 and convertible to age 75.

Group Term Life

A term life insurance product with flexible benefit designs.  The product offers guaranteed-issue underwriting at initial enrollment with group rates.  It is portable and convertible under certain conditions.  Employer- and employee-paid options provide flexibility and allow employees to purchase additional coverage at group rates. 

Individual Universal Life

A universal life product with flexibility that allows an employee to adapt to changing needs by varying face amounts and premiums.  It also provides optional long-term care rider and restoration of benefits rider at an additional cost.

Individual Whole Life 

A permanent whole life insurance product that provides guaranteed level premiums, guaranteed cash values and a guaranteed dealth benefit as long as premiums are paid when due and no loans are taken.  Guaranteed-issue and simplified-issue options are available, as well as an optional long-term care rider at an additional cost.

Spouse and eligible dependent children coverage is available with all life products.

SPECIAL RISK INSURANCE

Individual Cancer

A cancer product that pays indemnity-based benefits to help cover medical and non-medical expenses related to cancer diagnosis and treatment.

Individual Critical Illness

A critical illness product that provides a lump-sum benefit for the diagnosis of a critical illness.

Group Cancer

A cancer product that helps pay some of the direct and indirect costs related to cancer diagnosis and treatment.

Group Critical Care

 A critical care product that provides a lump-sum benefit when a covered critical illness or cancer is diagnosed.  The product may also provide monthly benefits for extended treatment of cancer.  Features include subsequent diagnosis, HSA-compliant plans and portability.

ACCIDENT

Individual Accident

A guaranteed-issue, composite-rated, guaranteed-renewable accident product that offers several coverage levels to fit all budgets.  Employer-optional benefits are available to customize the accident product offering.  Additional employee-choice riders can create a comprehensive product package.

Group Accident

A guaranteed-issue, composite-rated group accident product with multiple coverage levels to fit employer and employee needs.  All plans are compliant with health savings accounts (HSA) and provide all employees the same benefits and rates.  Spouse and eligible dependent children coverage is also available.

Gunshot Wound

A guaranteed-issue product that provides lump-sum benefits for injury due to a non-fatal gunshot wound.

SHORT-TERM DISABILITY

Individual Disability

A short-term disability product that replaces a portion of income for on/off-job or off-job only disabilities.  Optional features include psychiatric and psychological conditions benefits and waiver of elimination period for first day hospital confinement.  Guaranteed-issue and simplified-issue options are available.

Group Disability 

A short-term disability product that replaces a portion of income for on/off-job or off-job only disabilities.  Optional features include psychiatric and psychological conditions benefits and waiver of elimination period for fist day hospital confinement.  Guaranteed-issue and simplified-issue options are available.

Telephone

Main-line:    704-375-1112

Customer Service
Ext 104
Sales
Ext. 105
Admin
Ext. 107
The Buck Stops Here!
Ext. 103

 

 

Contact us

Hamilton Edwards, Inc.
604 Southern Pine Blvd.
Charlotte, NC 28273

[email protected]

 

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704-375-1112

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