myNISI

Have you ever wondered how to continue to offer a competitive benefits package in the midst of the rising costs of company-paid benefits? NISI offers top rated voluntary payroll-deduct benefits that can fill the gaps your current package may have. Whatever the need, NISI is there to help.

Accident Coverage

Despite the best efforts, accidents happen at work and at play. In 2004, employee injuries cost businesses more than $330 billion, according to the National Safety Council. Sixty percent of those accidents involved employees and their family members being hurt while away from work. Your employees can get 24/7 coverage to help to prevent financial hardship.

Payments are made directly to the employee for emergency room visits, hospitalizations, intensive care, follow-up visits, physical therapy and wellness exams.
Costs associated with dislocations, fractures, concussions and lacerations are covered.
Employees do not need to medically qualify. All applicants are accepted for base plan.
Employees can purchase employee only; employee and spouse; employee and children; or full family policies.
Additional disability riders are available.

Detailed Summary of Accident Coverage

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 800-575-9643.

Cancer Coverage

Cancer affects millions each year. Costs were a major burden for one in six families battling cancer, according to the Kaiser Family Foundation. Although 95 percent of those surveyed were covered by insurance, 25 percent depleted most or all of their savings. One in 10 could not pay for basic necessities.

Cancer insurance helps with the hidden costs of cancer. Payments are made directly to the employee whether it’s for family and patient transportation and lodging, new or experimental treatments, or second surgical opinions.
Employees also receive benefits for expenses related to many other specified diseases.
Employees can purchase employee only; employee and children; or full family policies.

Detailed Summary of Cancer Coverage

Critical Illness

Someone in the U.S. suffers a cardiac event every 26 seconds and every 45 seconds someone has a stroke, according to the American Heart Association. More than a million cases of cancer are diagnosed each year. Such critical illnesses can catch employees by surprise.

Lump-sum payments are made directly to the employee or his or her beneficiary upon first positive diagnosis of a covered illness. The payment helps with non-medical, non-traditional treatments and out-of-pocket expenses.
Covered situations/conditions include angioplasty, stent, bypass surgery, stroke, major organ transplant and cancer.
Employees also receive benefits for expenses related to many other specified diseases.
Employees can purchase face amounts in $5,000 increments up to $100,000.
Employees can purchase employee only; employee and children; or full family policies.

Detailed Summary of Critical Illness Coverage

Dental

A healthy mouth is good for the entire body. Research shows people with periodontal disease are four times more likely to develop heart disease. Dental coverage helps employees get the dental care they need whether it’s to prevent or fix a problem.

Employees receive benefits for routine exams, cleaning and X-rays as well as basic and major services.
Employees can purchase employee only; employee plus one other person; employee plus two others; or employee plus three or more.

Dental Coverage Brochure

Hospital Indemnity

The average hospital stay costs $7,346, according to the U.S. Census Bureau. That can seriously strain an employee’s savings. Our policy can fill in the gap in your employees’ current health coverage.

With a variety of hospital plans, you’ll find one to fit your employees’ personal needs.
Payment are made directly to the employee for costs related to several conditions, including intensive care, hospitalization, anesthesia and other expenses due to the birth of a child, and accidents. Contact us for a complete list.
Employees can purchase employee only; employee and children; or full family policies.

Detailed Summary of Hospital Indemnity Coverage

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

Short-Term Disability and Long-Term Disability

More than half of all American families live paycheck to paycheck. Sadly, 48 percent of all home foreclosures are a result of disability. How long could your employees survive on savings let alone plan for the future? We can help.

Short-Term disability plans will pay a weekly benefit amount up to 70 percent of the employee’s gross monthly earnings due to non-occupational injury, illness or maternity leave.
Long-Term disability plans will provide a monthly benefit up to 60 percent of the employee’s gross monthly earnings, due to non-occupational injury, illness or maternity leave.
Short- and Long-Term disability plans will provide a partial disability benefit that allows your employees to return to part-time work at full-time pay while receiving their disability benefits.
Non-taxable benefits are paid directly to employees at their homes.
Benefit available for employee only.

Detailed Short-Term Disability Summary

Detailed Long-Term Disability Summary

Life Insurance

Don’t let an unexpected death throw your employee’s family into financial distress. From funeral expenses to thoughts of future college tuition, financial concerns can overwhelm a grieving family. NISI offers life insurance options that can help surviving family members maintain their standard of living.

Term life insurances plans are available in increments of $10,000, up to five times your employee’s salary, to a maximum of $300,000.
Employees can select single and family coverage.
Term life insurance available in 5*, 10*, 15, 20, 30 durations.
Additional riders available

*CA, CT, DC, DE, IL, MD, NJ, OH, WA, WV only 5 and 10 year term available

Detailed Product Summaries:
Preferred Voluntary Group Term Life and AD&D Brochure
10 Year Term Life
15, 20, 30 year Term Life

Let’s meet face to face
NISI wants to make sure your employees have the coverage for their specific needs. That’s why weprefer 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 800-575-9643.