The first reason
is the Disability coverage also covers them, the business owner, at a fraction of the cost.  It is also
guarantee issue as long as the business has 3+ employees.  These are important considerations for any
business owner to consider.

 

You also do the right
thing by covering your employees and offering them a benefit.  They have the same problem buying disability
coverage on their own.  Higher costs and underwriting considerations.

 

style="white-space: pre;"> Disability coverage is the most important benefit after ones health
insurance coverage.  It basically protects your ability to earn an income and pays you when you cannot.
 Generally, the benefit is equal to 60% of your earnings before your disability.

 

style="white-space: pre;"> Many employees don't think about this very important coverage until it is to
late and they find themselves out of work for a time.  The cost of this benefit is usually less then 3% of
the income it is protecting.

 

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What is the best voluntary benefit?  What is a voluntary benefit?  This is a benefit that the employee
pays for.  It is written as a group benefit, charged accordingly and written on a guarantee issue
basis.

 

Dental insurance is the top voluntary benefit.  It is a benefit used by all and
used by all the family members without going to the hospital, becoming disabled or
unemployed.

 

Employees will gladly step up and pay for their dental coverage.  Usually
dental insurance is inexpensive and covers the basic as well as most of the major services.  The children are
also covered and get the latest flouride treatments.

 

So if you are looking to enhance your
benefits  without incurring greater expenses for your organization, look no further than a quality dental
insurance plan.

 

   

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