Products & Services

Voluntary Benefits


We know life can be at times uncertain, and that bad things do sometimes happen to us all. Accidents, illnesses, and disease can turn someone’s life upside down. You’d hate to see anything bad happen to your employees. They become like your family, and you want them to be healthy, happy and financially stable. Voluntary benefits allow you to offer a broad range of benefits designed to protect your employees from the pitfalls of life.


Voluntary Benefits Include:

  • Accident – An individual accident product that offers several coverage levels to fit all budgets.  An accident policy can provide on/off-job or off-job only coverage.
  • Cancer – An individual cancer product that helps pay some of the direct and indirect costs related to cancer diagnosis and treatment.
  • Critical Illness - An individual critical illness product that provides lump-sum benefits for specific illnesses and pays for multiple critical illnesses.
  • Short Term Disability - An individual short-term disability product that replaces a portion of income. Short Term Disability can provide on/off-job or off-job only accident and sickness coverage.
  • Medical Bridge – An individual hospital confinement indemnity plan that complements your core medical coverage. Offering benefits such as hospital confinement, wellness, rehabilitation unit confinement and doctor’s office visits.
  • Term Life - An individual term life insurance product that offers three level term options…
  • (10, 20 and 30 year)
  • Universal Life - A cash value life insurance product with flexible premiums and an adjustable death benefit.
  • Whole Life - A permanent whole life insurance plan that provides guaranteed level premiums, guaranteed cash values and a guaranteed death benefit.

These are offered thru payroll deduction by the employer to their employees.  Products are available on an individual and group basis depending on the size and needs of each company.  All individual products are portable upon departure from the company.

 

Voluntary Benefits and the Affordable Care Act

Under The Affordable Care Act, health plans typically may have high deductibles combined with high annual out-of-pocket maximums, some with family caps of $12,000.  Voluntary plans will be increasingly needed to help reduce these added expenses that may not have been considered during enrollment.


A skilled and knowledgeable voluntary benefits insurance agent, like the agents employed by our agency can explain the options available to you and how you can best be protected.  It has historically been the case that individuals making uninformed benefit decisions wind up paying far more in healthcare costs. Our agents, who are trained to work on the healthcare exchanges, will be happy to discuss your healthcare choices with you.

Friedman Associates is an independent insurance agent representing a carefully selected group of reputable, financially strong, insurance companies, therefore, we are able to offer you the insurance coverage with competitive premiums for your particular commercial insurance, personal insurance or employee benefit need.
 

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