Added benefits for your valued employees.
Group voluntary benefits written by Universal Group, Ltd.
Even if you’re unable to offer healthcare benefits, 你可以让你的员工有机会以比个人支付的低得多的价格获得有价值的保险. We’ll help you give your employees more.
Lower healthcare costs for your staff at no cost to your business.
不是每个雇主都有能力为员工支付医疗保险或人寿保险, 但这并不意味着你的公司不能为他们提供任何类型的医疗福利. Instead, your business can sign up for group voluntary benefits, which can lower costs for staff without any cost to the employer.
Give employees access to medical benefits at lower premiums.
In simple terms, 团体自愿福利计划是指与保险公司达成协议，让保险公司在员工受雇期间为其提供特定的医疗福利, often with payments collected through payroll. 因为保险公司可以接触到很多潜在客户, 他们同意提供比雇员作为个人在公开福利市场上支付的保费更低的保费.
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Group Health Insurance
Risk Factor
吸引和留住优秀员工的主要因素之一是雇主提供的福利计划. This typically starts with your group health insurance plan.
Solution
Regardless of the company’s financials, 有很多方法可以为你的员工和他们的家属提供医疗保险. Offering health insurance doesn’t have to break the bank. 有许多解决方案适用于小型、中型和大型雇主.
Group Life Insurance
Risk Factor
当员工担心自己的财务状况时，他们的工作效率可能会降低. 今天许多人没有人寿保险或足够的储蓄来支付最后的费用, 当有需要时，哪些会给员工和/或他们的家庭带来额外的压力.
Solution
A group life insurance plan can put your employees’ minds at ease, 知道他们的家人在需要的时候会有可用的资源. 保单还可以包括一项受抚养人福利，帮助员工支付他们的受抚养人去世后的费用. 另一个解决方案是提供自愿终身福利，员工通过工资扣除支付的保费比他们自己投保时支付的保费要低. Group life insurance is also tax deductible.
Disability
Risk Factor
许多雇主面临着提供比竞争对手更低的工资，发现很难找到和留住合格的工人.
Solution
提供短期和/或长期的残疾项目可以为未来和现在的工人提供另一种形式的经济稳定. An employee may be offered a higher wage elsewhere, 但如果她们因怀孕而停止支付工资，她们会得到保护吗, illness, or other disability? How will they pay the mortgage or other bills? 提供残疾计划的雇主可以让员工安心，并且比那些没有残疾计划的雇主更有优势.
Group Dental Coverage
Risk Factor
没有定期进行牙齿检查可能会导致比牙痛更严重的问题.
Solution
为员工提供牙科保险可以帮助他们定期去看牙医. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, 在大笔索赔到来之前，这可能有助于降低你的长期健康保险费用!
Vision Care Coverage
Risk Factor
Similar to dental coverage, if your employees are not getting regular eye exams, 他们可能有潜在的疾病，如心脏病或糖尿病，这些疾病可能会在以后出现，给你的医疗计划带来更大的费用.
Solution
提供视力保健保险是提供健康福利的一个非常实惠的组成部分. 这是一揽子福利中价格低廉的一部分，回报价值高，可以帮助抵消医疗费用增加的影响, becoming a cost-effective, early intervention tool.
Voluntary Coverage
Risk Factor
不能满足员工的个人需求可能会对员工的保留和吸引新人才构成威胁, both of which can be costly to your bottom line.
Solution
提供自愿保险可以让你的员工选择对他们重要的福利. 这是一种经济有效的方式，可以提供各种各样的福利，对你每月的保费影响很小或没有影响. Examples of voluntary coverage include:
- Critical illness, hospital indemnity, and cancer coverage.
- 终身，受抚养终身，短期和长期残疾保险.
- Dental care.
- Vision care.
Compliance Audits
Risk Factor
合规审计正在增加，劳动部的罚款可能代价高昂. 如果收到审计信，你是否已经准备好了所有的文件和文书工作?
Solution
一个好的利益经纪人会教育你的合规性，让你准备好迎接那可怕的一天. 包装文件涵盖了所需的大部分内容，其余的表格应易于获取，并附有分发给员工和/或合格参与者的证明.
通过提供团体自愿福利作为一种选择来保持员工的健康.
提供集体自愿医疗福利不需要雇主支付任何费用, 但它确实增加了员工获得相关保险的机会. That, in turn, 帮助你的企业留住员工，增加他们保持健康和财务安全的可能性.
如果你想为员工提供全套医疗福利, then group voluntary benefits could be the answer. We can help you get started!
Group Voluntary Benefits Quote Request
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