Along with health insurance, The Clemons Company can provide an assortment of other benefits your business can use to protect your employee's well-being and reward them for their loyalty and hard work. These voluntary or supplemental plans include the following types of insurance.

Life Benefits

Term life insurance enables employers to provide their employees with valuable life insurance protection giving them the convenience of guaranteed coverage sponsored partly or entirely by the employer.

Dental Benefits

Dental insurance is designed to cover the costs associated with normal dental maintenance, oral surgery, root canal therapy and orthodontia. Coverage may be on a "reasonable and customary charge" basis or on a dollar-per-service schedule approach. Deductibles and coinsurance are typical with maximum yearly benefit amounts. Most plans cover routine cleaning and exams at 100%.

Vision Benefits

Group vision care pays for reasonable and customary charges incurred during eye exams by ophthalmologists and optometrists. Some plans often include discounts for Lasik surgery. The design of the vision plan can be a simple discount plan or a fully-insured plan with co-payments.

Disability Benefits

Short Term Disability (STD) programs provide coverage for income lost when employees are unable to work because of a non-occupational accident, illness or pregnancy.

Long Term Disability (LTD) insurance provides for the payment of a percentage of income should an insured be unable to work due to a disabling illness or accident. It offers protection against the economic death of a wage earner.

Long-Term Care

Long-term care provides the insured the help they need in the case of severe cognitive impairment or inability to perform without substantial assistance, two or more of the six activities of daily living. The government allows a number of tax advantages for the purchase of this type of product.

For any or all of these types of group plans, we will see that your employees are properly enrolled and we will continue to monitor your needs and goals.