Life & Disability Insurance

EBCS will provide the best choice in supplemental insurance by carefully evaluating your organization needs. The basic principal behind supplemental benefit program is to give the employee additional coverage to their existing Employee Health Benefit program. With the additional of Life Insurance the program is just about complete. The following are Group Term Life Insurance products:

Term Life Insurance - The word “term” refers to the period of time by which the employee is employed by a company. Group insurance provides a benefit of a specific amount to a designated beneficiary upon the death of the insured.

Accidental Death & Dismemberment Insurance Program - AD&D insurance provides benefits for the additional loss of life or the additional loss of specified member of the body.

Short Term Disability - STD provides benefits to an employee by replacing a portion of income when an employee is unable to work due to an accident or an illness. The benefit is a percentage of the employee’s weekly salary, up to a specified maximum.

Long Term Disability - LTD provides coverage when short-term disability benefits cease. Benefits from group long-term disability policies generally continue either until age 65 or your retirement age under Social Security, or until you are able to return to work. In some policies, benefits may be available for a period of time after you return to work. Some policies pay benefits if you are unable to complete the duties of any occupation for which you are reasonably qualified by experience and training. Others pay
benefits if you are unable to perform the major duties of your own occupation.

EBCS will make sure that your employees understand any policy you are considering – a policy that does not provide the protection you need is not good enough to buy.

Contact us to schedule your consultation today!