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About UsPRODUCTS & SERVICES:
GROUP HEALTH
INDIVIDUAL & FAMILY
AFFINITY BENEFITS
ANCILLARY/WORKSITE BENEFITS
INTERNATIONAL PLANS
VIEW OUR BROCHURE
OTHER
GROUP HEATLH:
What is Group health insurance?
It is an insurance policy that involves health coverage for a group of individuals. Instead of having an individual policy, many choose to enroll in their group plan. Group health insurance is the only way for employees to be covered e.g. for maternity immediately, unless they already have an individual health insurance policy in force for at least 6 months or an year and have already requested coverage. For your business to qualify for Group health coverage, most states require that you have at least two eligible (min. 75% participation of eligible employees) employees.
Why do employers need to consider Group health insurance?
Besides providing medical care for yourself and your employees, a business health insurance plan helps spread the financial risk between all the members.
But group health insurance has tax advantages. Employer contributions to a small business health insurance plan are generally 100% tax deductible, and employees save on payroll taxes.
How group health insurance works?
Rate calculations vary both from state to state and from company to company; the cost of a group health insurance plan is based on the characteristics of each member, including:
• Age
• health status
• occupational hazard
• business and/or residential location
Employees of a business that offers group health insurance are not compelled to join the plan, but the group must maintain a minimum number of insured (as few as 2 people, depending on the policy) to guarantee coverage.
INDIVIDUAL/FAMILY
Total Benefits will help individuals find affordable Health Insurance for themselves and/or family separate from the group if necessary. We understand what policies are available and compare rates from multiple carriers. We will design and find the type of policy that will fit your budget, and protect you and your family.
We have the insurance coverage that can provide you the most RELIABLE PROTECTION at your LOWEST POSSIBLE RATES.
AFFINITY BENEFITS
Total Benefits works outside the box in bringing in all the options available, we truly offer a full blown, comprehensive member benefits program.
● Pre-Paid Legal & Identity Theft Plans
● VPI Pet Insurance
● Pet Assure
● Travel and Vacation Savings Plan
● Purchasing Power
● Working Advantage Employee Discount Program
● Individual Health Plans
● Discount Dental Plans
Advantages to an employer offering an Affinity Product:
- Voluntary
- Convenient
- Preferred Pricing
- More affordable alternative
- Competitive advantage
More options without the employer having to contribute. Another way we can help build a more unique and better benefits package for each employee.
ANCILLARY/WORKSITE
Dental, Life, Accidental, Disability and more.
GROUP DENTAL/INDIVIDUAL
Indemnity policies, PPO, HMO and Discount plans are some of the options we can include when designing a building a benefits package for you. Just another way of making your organization stand out in today’s competitive job market.GROUP LIFE/INDIVIDUAL
Business owners in today’s competitive job market recognize the importance of attracting and keeping good employees. Providing group term life insurance is an economical way for employers to provide a quality benefit that employee’s value and appreciate.
Regardless of the number of employees you have, Total Benefits has a plan designed to cover your full-time workers. All of these can be accomplished through the convenience of one simplified billing statement. You have the choice of a variety of benefit schedules.
GROUP DISABILITY/INDIVIDUAL
There is a comfort in knowing that if an unforeseen sickness or accident were to occur, you and your employees could receive a paycheck.
SHORT TERM DISABILITY
A short-term injury -- car accident, back injury, sports mishap -- often leads to long-term financial consequences.
Short-Term Disability Insurance provides a weekly income to employees who can't work because of covered temporary disabilities.
LONG TERM DISABILITY
A serious illness or injury can harm more than your health-it can have an impact on your ability to work and meet your family's living expenses.
Long-term disability income insurance helps you pay living expenses while you are unable to work.
Long Term Disability can help pay the mortgage or rent, groceries, utility bills, car payments, or whatever else you choose.ACCIDENT INSURANCE
Helps you to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.
When you have a covered accident, you would receive cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.
Below are some of the items that could be covered in an accident plan that may not be by your major medical insurance:
Broken Teeth, Concussions, Intensive care unit confinement, Ambulance, Emergency room visits, Lacerations and more
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CANCER INSURANCE
A cancer/specified-disease insurance policy is designed to provide you with cash benefits during covered cancer treatments.
A cancer/specified-disease insurance policy can also help protect your income and savings from expenses that aren't covered by your major medical health insurance policy, including:
Deductibles, Out-of-network specialists, Experimental cancer treatment, Child care and household help, Travel and lodging when treatment is far from home, Normal living expenses, such as your car payment, and utility bills.
CRITICAL ILLNES
Critical illness insurance helps avoid the financial strain that a major illness can create. Typically this policy will pay as a lump sum a basic benefit amount if you are diagnosed with one of many critical illnesses ranging from cancer, heart attack, stroke, renal failure, terminal illness, angioplasty, multiple sclerosis, paralysis and much more. Benefits are payable upon initial diagnosis.
SUPPLEMENTAL HOSPITAL COVERAGE
Supplemental Hospital Coverage, aka gap insurance, is a type of insurance policy that plugs coverage gaps in your regular health insurance. These gaps include deductibles, co-payments and additional expenses not covered by regular health insurance.INTERNATIONAL PLANS
Flexible, customized plans that can be offered for groups with one international location or dozens of international locations.
The ability to customize your group benefits plan coupled with the ease of administration and unbeatable geographic spread allows Total Benefits to offer insurance products unparalleled in the international marketplace.
OTHER
FINANCIAL PLANING
HUMAN RESOURCE OUTSOURCING
Total Benefits works directly with PEO, Professional Employer Organizations and can help relieve the HR, Payroll, Workers Comp burdens and more associated with all growing businesses. We allow you, the employer, to focus on the things that made you successful. We do this by relieving the day to day activities not associated with what got you there.
SERVICING & CLAIMS
