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VOLUNTARY EMPLOYEE BENEFITS

Improving your overall Employee Benefit package and improving your Bottom Line. Benefits:. Voluntary DisabilityVoluntary Life and AD

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VOLUNTARY EMPLOYEE BENEFITS

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    1. VOLUNTARY EMPLOYEE BENEFITS

    2. Improving your overall Employee Benefit package and improving your Bottom Line

    3. Benefits: Voluntary Disability Voluntary Life and AD&D Voluntary Dental and Vision Voluntary Long Term Care Critical Illness Benefits

    4. Voluntary Disability Programs Disability is more common than most people think Nearly one in every three Americans will be disabled for three months or longer before reaching age 651 A well designed Voluntary Disability programs allows an employee to protect their most valuable asset – their ability to earn an income

    5. Voluntary Short Term Disability Elimination Periods as short as 7 days Benefit Durations from 13 weeks to 1 year Benefit maximums up to $1,250 a week Coverage provided without medical questions Benefits are available at low Group rates!

    6. Voluntary Long Term Disability Elimination Periods of 60, 90, or 180 days Benefits Durations from two years all the way to age 65 Benefit Maximums up to $6,000 a month Coverage can be secured with limited medical questions or on a Guaranteed Issue basis with a Pre-existing condition clause

    7. Voluntary Life Programs Provide valuable Life products via payroll deductions at low group rates! Most plans offer fully Portable benefits Guarantee Issue coverage – Benefits can be secured without medical questions Coverage available for Spouse and Dependent Children

    8. Voluntary Term Life Insurance Two Employee Benefit options available Increments of $10,000 up to $500,000 Multiple of salary – one, two, three, four, or five times annual salary up to $500,000 Up to $500,000 available for Spouses Up to $10,000 available for Dependent Children A minimum of $50,000 of Guarantee Issue available with higher amounts available for larger employers.

    9. Voluntary Universal Life Insurance Voluntary Life insurance coverage that allows employees the opportunity to build a tax-deferred cash fund. Participants will benefit from flexibility, competitive interest rates, tax advantages, options at retirement, loan and withdrawal privileges. $10,000 increments or multiple of salary plans available

    10. Voluntary AD&D Voluntary Accidental Death and Dismemberment is an excellent way to provide inexpensive coverage to your young employee population Employee only and Family coverage is available $100,000 of family coverage for less than $5 a month!

    11. Voluntary Dental Effectively Manage the costs of Dental care while maintaining a high level of benefit coverage and employee satisfaction Multiple coinsurance, deductible, annual maximum, and allocation of services options Orthodontia options Programs that require as few as 10 participants and/or 20% participation

    12. Voluntary Vision Voluntary vision programs will cover the cost of frames, contacts, and materials in addition to an annual eye doctor Many voluntary vision programs also provide access to discounted laser eye surgery procedures Most programs offer a network of providers including both private practice and retail chain providers

    13. Voluntary Long Term Care Today, the average nursing home stay can cost more than $80,000 a year. In some regions, it can easily cost twice that amount. Long-term care costs are expected to double by the year 2025 and nearly quadruple by 2050 Thirty-seven percent of Americans receiving long term are under 65

    14. Voluntary Long Term Care Guaranteed issue available for employees (no medical questions at application) Extended eligibility (for spouses, parents, etc.) Total Home Care options

    15. Critical Illness Coverage Critical illness plans are designed to pay a lump sum benefit when you are diagnosed with a critical illness A critical illness would include heart attack, stroke, major organ transplant, end stage renal failure, multiple sclerosis, Alzheimer’s disease, and cancer The lump sum benefit, which is chosen by the individual at the time they enroll, can be used at the discretion of the covered party (medical bills such as co-pays or deductibles, replace lost income, child care, mortgage, rent, etc.) Policies can be designed to cover an individual or the whole family

    16. Add Valuable Benefits for your Employees and SAVE Money Pre-tax payroll deductions result in a savings in the employer’s share of FICA, Medicare taxes, worker compensation, and unemployment taxes

    17. Additional Services provided by The Stettler Group Enrollment Meetings – group or one on one Customized Benefits Web Site Cobra Service Online Enrollment provided to larger organizations

    18. George G. Griffaton PO Box 937 Flemington, NJ 08822  908-806-3001 - phone 908-806-3113 – fax ggriffaton@thestettlergroup.com www.thestettlergroup.com

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