Products for Small Groups
Even if your business is small in size, your employees still deserve to be protected through a comprehensive benefits package. Employee benefits not only help you to attract and retain quality employees, they help your employees to stay healthy and productive, and feel piece of mind knowing they have financial protection from an unexpected disability or death.
Unfortunately, competitive insurance products are often difficult for small businesses to access. You can offer your employees benefits like the bigger companies do, at a price you can afford. ELH offers you a full line of group ancillary benefits with big company features and options, backed by our experienced, professional claims management team:
Premier Series Dental Insurance
- Flexible plan design; choose deductible, annual maximum, and length of rate guarantee
- Choose placement of endodontic, periodontic and/or complex oral surgery services to be paid as basic or major services
- VSP Vision Access Discount plan available upon request
- DenteMax Network PPO product available in select states
Premier Series Short-Term Disability Insurance
- Flexible plan design: choose weekly benefit amount, elimination period, and benefit duration period
- Lump Sum maternity benefits
- 2-year rate guarantee standard, other options available
Premier Series Long-Term Disability Insurance
- Choose the standard monthly benefit maximum amount, elimination period, and maximum benefit duration period
- Employee Assistance Program (EAP) included
- 2-year rate guarantee standard; other options available
Premier Series Term Life / AD&D Insurance
- Choose flat or annual salary-based benefit amounts
- Accelerated death; seat belt/air bag; repatriation benefits
- Guarantee issue benefit up to $50,000
- 2-year rate guarantee standard, other options available
- Dependent Life Benefits option
Vision Insurance (select states)
- Flexible plan design: choose co-pay and frequency for exams/lenses/frames
- Utilizes VSP Signature Network of providers
- No ID cards / claim forms necessary
Premier Series Dental Insurance
- Flexible plan design; choose deductible, annual maximum, waiting period, and coinsurance options
- Choose placement of endodontic, periodontic and/or complex oral surgery services to be paid as basic or major services
- Optional benefits include: annual maximum rollover, child and/or adult orthodontia coverage, rate guarantees
- VSP Vision Access Discount plan available upon request
- DenteMax Network PPO product available in select states
Premier Series Short-Term Disability Insurance
- Flexible plan design: choose weekly benefit amount, elimination period, and benefit duration period
- Lump Sum maternity benefits
- Premier Benefit Option package available
- 2-year rate guarantee standard, other options available
Premier Series Long-Term Disability Insurance
- Choose the standard monthly benefit maximum amount; elimination, maximum benefit duration and own occupation periods; Social Security Integration; and minimum monthly benefit options.
- Employee Assistance Program (EAP) included
- Several optional benefits available
- 2-year rate guarantee standard; 3-year option available
Premier Series Term Life / AD&D Insurance
- Choose flat or annual salary-based benefit amounts
- Accelerated death benefit
- Seat belt/air bag; public transportation, education and repatriation benefits
- Guarantee issue benefit up to $50,000
- 2-year rate guarantee standard, 3-year option available
- Dependent Life Benefits option
Vision Insurance (select states)
- Flexible plan design: choose co-pay and frequency for exams/lenses/frames
- Utilizes VSP Signature Network of providers
- No ID cards / claim forms necessary
Premier Series Dental Insurance
- Choose your deductible, annual maximum benefit, and coinsurance option
- No network restrictions — employees have the freedom to choose any provider
- Choose placement of endodontic, periodontal, and/or complex oral surgery services to be paid a basic or major services
- For groups with prior dental coverage, individual takeover credit available
- VSP Vision Access Discount plan available upon request
Premier Series Short-Term Disability Insurance
- Flexible plan design: choose weekly benefit amount, elimination period, and benefit duration period
- Lump Sum maternity benefits
- 2-year rate guarantee
Premier Series Long-Term Disability Insurance (select states)
- Choose the standard monthly benefit maximum amount, elimination period, and maximum benefit duration period
- Employee Assistance Program (EAP) included
- 2-year rate guarantee
Premier Series Term Life / AD&D Insurance (select states)
- Choose flat or annual salary-based benefit amounts and age reduction schedule
- Accelerated death benefit
- 2-year rate guarantee standard, 3-year option available
- Optional AD&D benefit package includes: seat belt/air bag; public transportation, education and repatriation benefits
- Portability and Dependent Life Benefits options
Vision Insurance (select states)
- Flexible plan design: choose co-pay and frequency for exams/lenses/frames
- Utilizes VSP Signature Network of providers
- No ID cards or claim forms