Health, Dental, Vision, Term & Whole Life, Disability, Employee
Health insurance is a type of insurance coverage that covers the cost of an insured individual’s medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
Dental insurance, either provided by your employer or a policy that you buy directly from a dental insurance company, is meant to help cover some of the costs associated with your dental care. Routine dental care, including regular checkups and preventive services, such as cleaning, is relatively inexpensive. However, restorative dental procedures, such as dental implants and crowns, can be quite expensive.
Vision insurance provides coverage for the services rendered by eye care professionals, such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses and contact lenses, with or without copays, depending on the plan chosen.
Term & Whole Life Insurance
What type of life insurance is best for you? Both term life insurance and whole life insurance pay a death benefit free from federal income tax when the insured person dies while the policy is in effect. Term Life Insurance provides protection for a specified period of time (ex: 5, 10, 15, 20 or 30 years) at an affordable cost. Whole Life Insurance provides protection for your entire lifetime and accumulates a cash value that the policy owner can borrow against.
Disability Insurance is the industry name for a plan that provides for periodic payments of benefits when a disabled insured is unable to work. It insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. The disability insurance product is designed to replace anywhere from 45 to 65% of an employee’s gross income on a tax-free basis should illness keep them from earning an income in their occupation.
Employee benefits includes various types of non-wage compensation provided to employees in addition to their normal wages or salaries. Some benefits are mandated by law (such as social security, unemployment compensation, and workers compensation), others vary from firm to firm or industry to industry (such as health insurance, life insurance, medical plan, paid vacation, pension, gratuity).
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