Disability benefits are provided to each eligible employee. The plan pays a percentage of salary to those disabled due to injury or illness. There are several plans from which the employer may choose:

Term Life
Group Life Insurance is provided to each eligible employee. This includes accidental death and dismemberment benefits. Life insurance is available in either multiples of salary or in flat amounts.

Long Term Care
Long term care is costly. Approximately one-sixth of all individuals who are now 18 years old can expect to spend two and a half years in a nursing home. Statistics show that 72 percent of people admitted to a nursing home become penniless within the first year. Without enough assets, an individual’s or family’s lifestyle could be severely affected without financial protection. Long-term care insurance protects against financial strain of paying for extensive stays in nursing homes or the extended use of in-home care, not covered by disability or private health insurance. The coverage provides a daily benefit amount to pay for care at a nursing home or alternative care facility.