It’s never easy to offer your employees all the benefits you think they deserve. We can help you enhance your benefits package with these employer-paid group coverage options. Your employees will know that you care.

Dental

Many people dread going to the dentist. With our group dental plan, at least they won’t have to dread getting the bill. We offer a plan that will make your dental coverage one employees will value.

  • We want to meet your employees’ needs. We offer a variety of plan designs.
  • No group is too small or too big. We offer policies to groups as small as three employees.
  • Employer contribution must equal 75 percent of single contract and groups with fewer than 10 employees must have 100 percent participation.
  • Your employees will have no waiting periods for any covered services, and their claims will be filed electronically.

Many options exist. Please call your group benefits consultant at 800-342-4718 to discuss what’s best for you and your employees.

Let’s meet face to face
We want to make sure your employees have the right coverage for their specific needs. That’s why we prefer to provide group educational meetings. The information can be complex, and we want to answer your employees’ questions. You can’t get that kind of service from a web site. Contact us at 800-342-4718.

Short-Term Disability and Long-Term Disability

Disability costs for an employer can easily exceed 8 percent of total payroll, or about $2,860 per employee each year. Employees in their 30s are three times more likely to become disabled than to die before age 65. We can help. We have many options. You’ll find one that meets your employees’ needs.

  • We can help reduce overall employer costs by providing early intervention opportunities and accelerating an employee’s return to work. We allow your employee to work when able and provide partial income replacement.
  • Our Short-Term disability plans pay a weekly benefit up to 66 ²⁄³ percent of an employee’s gross monthly earnings, due to non-occupational injury illness or maternity leave.
  • Our Long-Term disability plans pay a monthly benefit up to 60 percent of an employee’s gross monthly earnings, due to non-occupational injury illness or maternity leave.
  • Benefits are paid directly to employees at their home.
  • These policies are available for employee only.
  • Depending on your group’s size, guarantee issue may be available.
  • Employer must contribute a minimum of 25 percent of premium with 75 percent participation.

Large Group Life Insurance and Short-Term Disability Brochure

Small Group Life Insurance and Short-Term Disability Brochure

Minnesota Group Life and Short-Term Disability Insurance Brochure

Large Group Long-Term Disability Brochure

Small Group Long-Term Disability Brochure

Minnesota Large Group Long-Term Disability Brochure

Minnesota Small Group Long-Term Disability Brochure

Let’s meet face to face
We want to make sure your employees have the right coverage for their specific needs. That’s why we prefer to provide group educational meetings. The information can be complex, and we want to answer your employees’ questions. You can’t get that kind of service from a web site. Contact us at 800-342-4718.

Term Life and Accidental Death & Dismemberment

Your employees are not the only ones who depend on that paycheck. An unexpected death can cause financialhardship for your employees’ families. Life insurance can give your employees peace of mind by giving their families security that they can depend on.

  • We can provide customized benefit plans that are available to employees and their dependents.
  • When you add AD&D to your plan, your employees’ life insurance will double when the loss isa result of an accident.
  • We offer competitive rates with excellent customer service.
  • Depending on your group’s size, guarantee issue may be available.
  • Employer must contribute a minimum of 25 percent of premium with 75 percent participation.

Large Group Life Insurance Brochure

Small Group Life Insurance Brochure

Minnesota Group Life Insurance Brochure

Let’s meet face to face
We want to make sure your employees have the right coverage for their specific needs. That’s why we prefer to provide group educational meetings. The information can be complex, and we want to answer your employees’ questions. You can’t get that kind of service from a web site. Contact us at 800-342-4718.

Long-Term Care

Some people pay up to $74,000 a year for private nursing home care. Costs for assisted living can easily average $30,000 a year. Sadly, standard health insurance does not cover long-term care expenses. Medicare covers up to 100 days, but only if you meet specific guidelines. Long-term care premiums are most affordable during an employee’s wage-earning years. Help your employees protect their assets with affordable, level premiums.

  • Providing long-term care coverage helps employers retain key employees, and it may qualify as a tax-deductible business expense.
  • As an employer, you may select the participants in the plan. This coverage is not subject to discrimination testing under IRC 105(b).
  • For your employees, it’s a tax-free benefit as company-paid premiums are not included as employee income. Once they sign up, their premium rates remain level and predictable. What’s more, the coverage is portable.

This coverage offers Employer-Funded and Voluntary Options that can meet your business objectives as well as your employees’ needs.

  • Base Plan’s employee buy-up provision is a low-cost way to offer a valuable benefit to assist employees in starting their long-term care coverage.
  • Executive Carve Out programs can be created to allow businesses to provide enhanced benefits to a small group of officers, executives, board members and other key contributors.
  • Employer Paid Defined Contribution (percent of premium or flat benefit) allows an employer another flexible funding option to help employees obtain coverage while keeping program costs affordable.
  • Voluntary Employee Paid Plan offers special pricing for employees, even without an employer contribution. The same special pricing can be extended to family members and relatives.

Long-Term Care Brochure

Let’s meet face to face
NISI wants to make sure your employees have the coverage for their specific needs. That’s why we prefer to meet one-on-one. The information can be complex, and we want to answer your employees’ questions. You can’t get that kind of service from a web site. Contact us at 866-392-4834.

Vision

Vision is one of the most important assets your employees have. A thorough eye exam can find vision problems and serve as a preventive step in maintaining overall health. Adding vision coverage to your benefits package can help you retain employees.

  • We provide comprehensive vision coverage, which includes eye exams, frames, spectacle lenses and contact lenses.
  • No group is too small or too big. We offer policies to groups as small as three employees.
  • Employer contribution of 50 percent of single contracts and 100 percent participation for groups with fewer than 10 employees is required.
  • We want to meet your employees’ needs. Your employees will have no waiting periods for any covered services, and their claims will be filed electronically.

Many options exist. Please call your group benefits consultant at 800-342-4718 to discuss what’s best for you and your employees.

Let’s meet face to face
We want to make sure your employees have the right coverage for their specific needs. That’s why we prefer to provide group educational meetings. The information can be complex, and we want to answeryour employees’ questions. You can’t get that kind of service from a web site. Contact us at 800-342-4718.