Group Benefits & Voluntary Benefits
As healthcare costs increase, so does the value of Voluntary Benefits
Voluntary benefits allow employers to meet the needs of their employees without added cost to the company.
Common voluntary offerings include life insurance and accident plans, short and long-term disability, dental, vision, and critical illness. Other popular choices are, include group legal and identity theft plans, financial planning services, pet insurance, and mental health services. This allows the employee to customize coverage to their needs.
Other advantages are portability of benefits and cost savings due to the power of group purchasing. Additionally, there’s the convenience and tax savings when paying with pre-tax payroll deductions. With a simplified group underwriting process, you can provide employees access to benefits that are otherwise unavailable to them on an individual basis due to age, risk class, etc.
Our Core philosophy is Employee Education, to ensure that everyone has a full understanding of the benefits made available to them. The goal is to show your employees the full value behind the employment opportunity you are creating for them! Make your company standout in a competitive job market with a benefits package tailored to attract top talent.
Major Medical Plans
The CORE of any Benefits Package is a Major Medical Plan
CoreLife Benefits give your small business access to Flexible and Cost-Effective Medical Plans that are easy to administer. As part of your team, we will establish a clear understanding of your workforce, and tailor fit a solution using traditional or non-traditional carriers, using various funding options.
Traditional and Non-Traditional Plans, including Chamber Plans
We work with all the ‘Traditional’ health insurance carriers in the market. While these plans may meet many needs, they can’t always meet the desired flexibility. We can help navigate these 'Non-Traditional' programs to meet your annual budget target. We also work with small businesses on their relationships with local Chambers of Commerce, allowing for streamlined access to Association Plans.
A.I. Underwriting Eliminating the need for Health Questionnaires
You have a business to run, and don’t have time to fill out forms, health questionnaires, track down employees, etc. A.I. Underwriting is an option that will streamline and simplify the process for your employees by bypassing the need for a deep dive into employee health history.
Variety of Different Funding Methods
You have options! Let us work with you to determine whether a Fully Insured Plan, a Level-Funded Plan, or a Self-Funded Plan is best for your group depending on your budget and claims experience. Our plans/products are like clay, and can be molded to the shape that best fits your groups needs.
Products & Services
Dental/Vision
Long- and Short-Term Disability
Long- and Short-Term Disability
Get access to a best-in-class network of independent, national retail, and regional Vision providers. Find covered care at any Dentist of your choosing!
Long- and Short-Term Disability
Long- and Short-Term Disability
Long- and Short-Term Disability
In the event of a disability that affects your employees ability to work, they will receive a pre-determined percentage of their paycheck until they are ready and able to return the job.
Telemedicine
Long- and Short-Term Disability
Whole and Term Life Insurance
There's a better way to get the medical care you need! Our Health Bundle gives you, and members of your household, 24/7 no-copay access to Doctors and Licensed Mental Health Counselors from the comfort of your phone/computer.
Whole and Term Life Insurance
Whole and Term Life Insurance
Whole and Term Life Insurance
Life Insurance offered on a group basis skips the hassle of individual Medical Exams and Health Questionnaires, as your group's risk will be assessed as a whole. Give employees who may not otherwise have access to Life Insurance a guaranteed issue solution, regardless of health!
Qualified Savings Plans
Whole and Term Life Insurance
Financial Planning Services
Allow your employees to better save for retirement through Employer Sponsored Savings Plans and Deferred Compensation methods.
Financial Planning Services
Whole and Term Life Insurance
Financial Planning Services
Financial-related stress is one of the biggest areas of stress in your employees lives. By offering in-person or web-based 1-on-1 planning sessions, your employees can get a better grip on their financial future.
Identity Theft & Legal Services
Identity Theft & Legal Services
Identity Theft & Legal Services
Protect your employees credit and financial reputation from online scammers looking to steal their identity. A group legal plan can give everyday individuals access to professional legal advice.
Payroll Services
Identity Theft & Legal Services
Identity Theft & Legal Services
Brokering all of the major Payroll Service Providers, we are able to find your business the most competitive rate.
Accident
Identity Theft & Legal Services
Critical Illness
An Accident plan pays the insured out cash directly in the event of your every day bumps, bruises, breaks, and trips to the Urgent Care. Money can be used to offset Major Medical plan expenses and related deductibles.
Critical Illness
Critical Illness
Critical Illness
Critical Illness provides additional coverage for medical emergencies like heart attacks, strokes, or cancer. Because these situations often incur greater-than-average medical costs, these policies pay out a lump sum to help cover expenses.