Category: Employee Benefits

Group Vision

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Group Vision

Attracting top talent has never been harder. With more and more people quitting their jobs in search of better opportunities, your business must compete harder to not only bring in better employees, but also to retain your most valuable team members. Improving your benefits package accomplishes exactly that. Although most companies provide some form of medical insurance for their team, few go the extra mile to offer group vision insurance. Here’s why you should consider adding vision to your benefits.


Group Vision Insurance: A Great Benefit for Your Business

What Vision Insurance Covers

Vision is normally not covered by medical insurance, with the exception of surgical interventions for medical emergencies. So, while your employees might already be covered by health insurance for issues like glaucoma or a traumatic injury to the eye, they lack coverage for more common issues. Statistics show that over 60% of Americans wear prescription eyeglasses. When you add contact lenses, the figure jumps over 70%! That is a lot of people who have no coverage for a basic need.

When your business acquires a vision insurance package, your employees will be able to get significant discounts on prescription lenses, contact lenses, and visits to the optometrist. We work with a large network of healthcare providers, so your staff should have no problem finding an in-network location nearby. Of course, they can still choose to go out of network and pay out of pocket.

Why Purchase Group Insurance?

Buying group insurance is much more cost-efficient than individual insurance options. The more people your company represents, the cheaper your rates will be per person. Insurance companies offer discounts for larger groups since there will likely be some individuals who don’t take advantage of the package. In effect, those non-users act as a sort of subsidy for the rest. Therefore, both you and your employees get a better deal with a group package.

More importantly, you can deduct the expense from your taxes, which individual employees cannot do. So, not only do you get a great deal by buying for a group, but your business will actually save even more by the end of the year.

The Impact on Your Business

Is buying vision insurance for your employees worth it? There are several positive effects on your company when you add benefits like vision to your package. As mentioned, you’ll have an easier time recruiting and retaining talent. More importantly, you’ll give your workers a sense of comfort and security. This reduces stress and ultimately leads to better productivity.

When you do more than what is required of you as a company, your employees are more likely to do the same for you. Vision insurance, especially, offers a great return on investment. It’s affordable, but has a big impact on many people’s lives, making it a perfect add-on for your benefits packages.

Get an Insurance Quote Today

If you’re interested in getting a group vision insurance package for your business, we can help. Contact ISU Armac today to get a quote and learn more about our network of providers.

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Group Life

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Group Life

Employers can offer several types of insurance benefits to employees. Medical benefits are the most common type of insurance an employer can offer to an employee. But some employers go above and beyond to offer group life insurance policies, which can provide insurance for certain expenses to employees of a business or organization.


Group Life Insurance

A group insurance policy functions similarly to an individual life insurance policy. This type of life insurance is a contract that will cover a large group of people, such as all employees of a business. The benefits of this type of insurance will likely be provided on an opt-in basis, meaning that employees may need to sign up for this benefit.

That said, a group insurance policy is an ideal option for employers who have the desire to offer additional benefits to employees. In particular, this type of insurance can be found with labor organizations or it can be compounded with retirement benefits and other employee benefits.

Common Benefits of Group Policies

There are a few specific benefits that can be found with group policies. For example, one of the biggest advantages of a group insurance policy is an income-tax-free death benefit for employees. These policies also enable employees to add additional coverage for dependents, which may not be possible on individual insurance plans.

Who Is Eligible for Group Policies?

In general, the people who are eligible for a group insurance policy are employees who work for an organization. Depending on the rules of the business related to benefit eligibility, it may be the case that an employee must work for the company for a certain amount of days before they can sign up for the group insurance policy.

The eligibility process for a group policy is much easier than an individual policy, particularly in terms of medical qualifications. Unlike an individual life insurance policy, there are minimal or no medical underwriting qualifications that must be met for a group policy.

What Else Should You Know About Group Policies?

Although group policies can be extremely beneficial to employees, it should also be noted that a group policy is not as comprehensive as an individual life insurance policy. For example, a group policy will offer less coverage overall, which means that the payout, if the policy is used, will not be as robust as an individual policy.

However, even though the coverage is not as well rounded as an individual life insurance policy, it’s often easier for people to qualify for group policies. This is because employers offer group policies directly, which makes it easier to become eligible for this type of insurance. This may be ideal for those who cannot qualify for an individual life insurance policy for any reason.

Group insurance policies are offered by employers who want to provide additional benefits to employees. A group insurance policy is easier to qualify for than an individual life insurance policy, which may be preferable for some individuals who may not otherwise qualify for a life insurance plan. Please contact ISU Armac to learn more about your insurance options today.

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Group Dental

Group Dental

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Insurance for Businesses: Group Dental and More

Information on Group Dental Plans coming soon…

Group Dental Insurance

Group Dental Information coming Soon…

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Group Medical

Group Medical

From small family businesses to multinational companies, nearly every organization can benefit from offering group medical insurance to their employees or members. Providing this option both helps retain valuable employees and aids in attracting the best talent to your team. Further, depending on how many employees they have, some companies may even be required to offer medical insurance. Here are some basic facts about group medical coverage.


Group Medical Insurance

How Does It Work?

A group medical plan is typically purchased by a company or organization to then be able to offer medical insurance to its employees or members. There are many different types of plans, each with its own costs, levels of coverage, terms and conditions. Once a company chooses the plan it wants, employees are then given the option to either participate or decline.

In order for a company to be approved for plan enrollment, at least 70% of its employees must agree to participate. Once approved, the cost of the plan is split between the company and its employees. Depending on the plan, employees or members who choose to participate may have the option of including family members in their medical coverage.  

Premiums, Co-Payments, and Deductibles

The amount that an insurer charges a company or organization to keep its group insurance policy in force is called the premium. The company pays part of this premium, and the employees themselves pay the other part, usually opting to have it deducted from each paycheck. In addition to this premium, employees typically incur additional expenses when they use their coverage for any sort of medical care.

One additional cost is called a co-payment, or co-pay. This is typically a small fixed cost that someone covered by the group plan must pay for any covered medical service. The insurance coverage then pays the remaining balance for that service. Another cost is the deductible, an annual amount that a member of the group plan must pay before their health insurance benefits kick in.

Benefits of a Group Medical Plan

The main benefit of a group medical plan is that it provides insurance at a much lower cost compared to individual coverage plans. One reason for this lower cost has to do with the law of numbers – by enrolling a large group in one single plan, insurers are able to spread their risk and are thus willing to offer coverage at a lower cost per participant.

Another reason that insurers offer lower prices for group plans is that the enrollment process gives them a good idea of who they are covering and how much potential risk they are taking on.

These are the basics of how group medical coverage works and why it’s such a popular option for both companies and their employees or group members. Offering health coverage makes a company much more attractive to current and prospective employees, and group coverage is typically more affordable than individual health coverage. Contact ISU-Armac Insurance Services to find the right group coverage for your company and its employees.

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Long-Term Care Insurance

Long-Term Care Insurance

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Life & Accidental Death & Dismemberment Insurance

Life & Accidental Death & Dismemberment Insurance

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Group Voluntary Benefits

Group Voluntary Benefits

Insurance is something that everyone, no matter their life situation, will need. Wherever you live, wherever you work, and whatever your income, it’s vital that you and your family’s health and wellbeing are properly protected. While it’s tempting to save money in the short term by skipping health insurance, you could end up paying more in the long run. However, an attractive alternative can be Group Benefits Insurance, but what is it and how does it work? Read on for our comprehensive guide.


Your Guide to Group Benefits Insurance

What Is Group Benefits Insurance?

Group Benefits is a type of insurance that covers a group of people under one insurance policy. This could be the employees of a company, the members of a society, or a group of professionals who work in the same field. In the past, most people would receive this kind of insurance through their employer. This is often very beneficial to all parties involved, as employers can use their insurance benefits package to attract top talent, while their employees can often enjoy lower premiums.

There is often a misconception that group benefits insurance solely covers health insurance, but other types of insurance can also be offered as part of a group scheme. What is included will often depend on a specific group, but employers are often keen to emphasize novel policies to set them apart from the competition. Often, a great benefits policy can be instrumental in increasing employee loyalty and retention.

Types of Group Insurance Product

Many different insurance products can be offered as part of a group benefits package. It’s often a good idea to consider offering a combination policy, which includes several packages at once. Aside from being a more attractive proposition to potential group participants, while giving you, as the main client, the ease of managing the various policies in one place. Here are some of the most common products that can be offered as part of a group package:

Group Disability Insurance

Group Disability Insurance protects the scheme participants if they become too sick to work through injury or illness. It’s often divided into short and long-term insurance. Short-term insurance will cover the insured if they are unable to work for a short period of time and replace a portion of their income for the period in which they are off work, usually for less than 26 weeks. Conditions that might qualify include the birth of a child, a prolonged illness, or recovery from surgery.

Long-term disability benefits will kick in when the short-term benefits expire, usually after 26 weeks. It’s used for conditions such as debilitating cancer, an accidental injury that prevents work, some mental health conditions, or other illnesses that prevent the insured from working. It’s usually paid monthly, in contrast to short-term cover, which is paid weekly. The amount of time a person can receive it varies but is usually either for a certain number of years until they return to work, or until they reach retirement age.

Group Life Insurance

Sometimes called a death benefit, Group Life Insurance is designed to financially protect a person’s loved ones, known as beneficiaries in the event of their death. It’s often an integral part of a family’s long-term plans. It’s designed to cover expenses such as funeral costs, covering a mortgage or rent, or providing college funding.

Group life insurance can sometimes be combined with an individual’s policy to provide an even greater level of coverage without the insured needing to answer medical questions and providing a level of guaranteed coverage. For employers, having a comprehensive life insurance policy can be hugely beneficial to your employees, who will always appreciate a policy to protect their loved ones.

Group Dental Insurance

Dental insurance can cover costs associated with dental care for the insured and often covers procedures such as routine cleanings, root canal treatments, and fillings. Most dental insurance policies are divided into three categories: preventative, basic, and major. The category a procedure falls into depends on the insurance provider and will determine the out-of-pocket cost for the insured. As an example, a filling might be considered to be basic care, while a bridge would be considered to be major care.

Group Vison Insurance

Similar to dental insurance, group vision insurance helps to round out an insurance package by providing a level of coverage for procedures related to the insured’s vision. For example, it could cover eye exams, glasses, and contact lenses. Most vision insurance covers the cost of routine eye exams and a portion of the costs incurred by prescription glasses or contacts.

Sometimes, an insurance company will partner with a network of providers. In this case, the insured will be required to visit a member of that network. While they can choose to go elsewhere, they will then be required to cover the cost themselves.

Reasons to Choose a Group Benefit Package

Aside from the reasons listed above, there are a host of other reasons that can be beneficial. It’s especially important for employers, as it can significantly reduce costs per employee, and employees will often need to pay less than they would have to otherwise. It also works well with a pension plan, as it can provide a level of pre-retirement security, especially if your employees have a small pension pot.

Additionally, it’s very tax-efficient, as it is often treated as a business expense for the purposes of corporation tax. More than this, however, it can be shown to increase employee productivity by removing sources of stress and distraction.

If you’re considering taking out a group insurance policy, either for your companies employees or on behalf of another group, then be sure to contact ISU Armac today! In addition to bringing the personal touch of an independent and family-owned company, we are also affiliated with ISU insurance services, a national agency that works with over 300 carriers across the country, giving us the reach of a national company beyond our home in Victorville, CA. So don’t delay, contact us today.

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Employee Assistance Plan

Employee Assistance Plan

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Flexible Spending Account

Flexible Spending Account

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