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Voluntary Benefits Administration
United Enroll takes into account the unique needs of every business, utilizing a comprehensive approach to voluntary benefits offerings. One size does not fit all in the voluntary benefits world. Before we recommend a carrier(s), we will take into consideration the following criteria: size of the client, SIC code, enrollment strategy, enrollment technology, carrier rates and underwriting.
Voluntary Benefits Products: Gaps in existing benefits programs can prove to be challenging. When core benefits are scaled back, many employees seek competitive programs to fill in these gaps. We provide solutions to these challenges through comprehensive voluntary benefits programs. Our cost-effective solutions go above and beyond – enhancing the existing core benefits while providing hard-working employees and their families the solid supplemental insurance benefits they need.
Accident Insurance: Accident insurance fills in the coverage gaps between health insurance and unexpected out-of-pocket expenses, co-pays and deductibles. These supplemental plans are offered as a way to provide benefits for out-of-network services, emergency room visits, accidental injuries, physical therapy or hospital stays due to an accident. Accident insurance can cover the employee, as well as his/her spouse and children.
Cancer Insurance: Cancer insurance is a way to assist families dealing with a cancer diagnosis and the resulting financial hardship. Also available to the employee, spouse and children, this insurance provides direct payments to the insured for expenses that are incurred related to treatment, surgery, in-patient hospital stays,and transportation costs. We offer cancer insurance as a supplement when faced with out-of-network expenses, high deductibles and out-of-pocket limits. It’s an immense help for those dealing with the emotional, physical, and financial strain of cancer diagnosis and treatment.
Critical Illness Insurance: Critical Illness coverage pays a lump-sum cash benefit to help cover the out-of-pocket expenses associated with a critical illness. No one knows what lies ahead: could you or a loved one be diagnosed with cancer, suffer a stroke, heart attack or the complete loss of hearing? Critical illness coverage can help offer financial protection in the event of one of these or other diagnoses.
Disability Insurance: Disability insurance is a safety net for employees when faced with a covered illness or injury that prevents them from working. These policies pay a portion of income to the employee over a specific period of time based on the plan chosen. Income paid out to the employee is tax-free. The disability insurance provides employees with peace of mind should an unexpected illness or injury prevent work for a period of time. Maternity leave is covered under disability plans.
Life Insurance: Life insurance policies are offered through leading carriers and may include long-term care coverage and waiver of premium and living benefits in addition to the traditional death benefits. Coverage varies depending on the plan chosen and can be extended to spouses and children as well, providing added security and peace of mind.
Voluntary Dental and Vision Insurance: Health insurance plans do not always cover the dental and vision needs of an individual or family. We offer cost-effective dental insurance packages through a vast network of participating dentists. Vision plans range from discount cards for in-network vision providers to more comprehensive plans covering full eye exams, lenses and diagnostic tests. Both dental and vision insurance are available to the employee, spouse, and children.