Voluntary Insurance Products
Voluntary insurance products have grown in popularity as an attractive option for employers who want to offer competitive benefits to their employees, but need to keep their costs down. ELH's voluntary plans offer flexible plan design and are backed by our century-long commitment to superior customer service. Plans are available to businesses employing 10 or more full-time employees.
- 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
- 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
- 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
- Flexible plan design: choose co-pay and frequency for exams/lenses/frames
- Utilizes VSP Signature Network of providers
- No ID cards or claim forms