Product Overview
ELH offers ancillary group benefit coverage for employer groups of all sizes. The following provides you with a general overview of the products that are available; please note that availability of products and plans may vary by state.
Many employees recognize taking care of their oral health is vital to preserving their general health. That's why dental insurance continues to be the most frequently requested group benefit. For employers considering the value of a dental benefits plan, you should know that dental disease or discomfort can lead to work absences or poor performance. Dental plans also help with the recruitment and retention of employees.
ELH Premier Series Dental Products
- Employer-paid and Voluntary available
- Flexible plan benefits
- DenteMax Network PPO product available in some states (employer-paid plans)
- VSP Vision Access Discount plan available on request
- Rate guarantees available (employer-paid plans)
Why should employers offer income protection for their employees? Here's an alarming statistic: according to the American Council of Life Insurers, nearly one-third of all Americans will suffer a serious disability between the ages of 35 and 65. And that's not all…
- In the U.S., a disabling injury occurs every second. (National Safety Council, Injury Facts 2008 Ed.)
- An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65. (Life and Health Insurance Foundation for Education, November 2005.)
- The average long-term disability absence lasts 2.5 years. (Commissioner's Individual Disability Table A.)
- Disability causes nearly 50% of all mortgage foreclosures. (Health Affairs, The Policy Journal of the Health Sphere, 2 February 2005.)
- Close to 90% of disabling accidents and illnesses are not work related — making employees ineligible for Workers Compensation. (National Safety Council, Injury Facts 2008 Ed.)
ELH Premier Series Short-Term Disability Products
- Employer-paid and Voluntary available
- Choice of flat or percentage weekly benefit amounts
- Lump Sum maternity benefits
- Rate guarantees (employer-paid plans)
ELH Premier Series Long-Term Disability Products
- Employer-paid and Voluntary available
- Flexible plan benefits
- Employee Assistance Program (EAP) from an award-winning provider
- Rate guarantees (employer-paid plans)
No one wants to think about the unexpected, but we still need to plan for it. Employers can give their employees peace of mind with a Life/AD&D plan that will provide financial protection in the event of their death. These plans can relieve financial hardships due to funeral and other death expenses, provide funds for the employee's family to send children to college or pay-off debt, and help to make-up for the deceased's lost income.
ELH Premier Series Life/AD&D Plans
- Employer-paid and voluntary available
- Flat or salary-based benefit options (employer-paid plans)
- Rate guarantees (employer-paid plans)
- Portability (voluntary plans)
Did you know 63% of adults in the U.S. wear glasses or contacts? (Employee Benefit News, December 2004.) By providing this low-cost benefit, employers can help their employees maintain healthy eyes and clear vision.
ELH Premier Series Vision Plans
- Employer-paid and voluntary available
- Plan flexibility
- Features one of the best provider networks — the VSP Signature Network
- No ID cards or claim forms necessary