More and more, employers are depending on The Benefits Tamer to identify opportunities to implement benefits programs to attract and retain valuable employees, while containing the overall costs of the benefits plan. Your Benefits Tamer has a broad portfolio of insurance products from which employees can choose. These include: Term and Universal Life, Critical Illness, Hospital Indemnity, Short Term Disability Income, Long Term Disability Income, Group Voluntary Life, and Cancer Insurance. By expanding their benefits offering, employers are able to successfully recruit and retain employ
ees based on a competitive dynamic that does not include hourly wage. For more information on how our products and services can help improve benefits packages you provide for employees, call local: 248-788-0476 or toll-free 800-786-5710 or e-mail your request to customer service.
The Benefits Tamer serves the life and health insurance needs of the American worker, from the lunchroom to the boardroom. Our workplace market enables us to satisfy the needs of employees in a way that is convenient and economical for both the employee and the employer. Similar to insurance purchased through traditional methods, insurance purchased through the workplace is typically individually owned and portable. In addition it is usually easier to apply for with no medical exams and limited medical questions to answer on the application. We offer products from some of the leading companies dedicated to the concept of premium payment through payroll deduction. Employers are receptive to the concept of offering voluntary insurance products that require no minimum participation. In addition to providing employers a way to offer voluntary insurance products while controlling employee benefit costs, we also have the opportunity to offer employees access to products previously unattainable. Electronic enrollments make applying for insurance easy for both the employee and the employer. This software, via laptop computer, can integrate our products with other employee benefits an employer might provide. This creates awareness among the employees of some of the non-salaried benefits the employer provides while documenting the employers' communication of benefits.
Cancer Specified Disease Protection Insurance: According to the American Cancer Society's Cancer Facts and Figures, 2004, about 2/3 of all costs relating to the treatment of cancer are non-medical. Supplemental cancer insurance benefits can be used to help pay the difference between what primary medical coverage pays and the total costs (medical and non-medical) of care. There are a variety of cancer policies from which to choose. Some policies have benefits that closely match today's methods of treating cancer. Some provide benefits for cancer plus up to 20 other specified diseases. Some indemnity plans including a significant first occurrence benefit. Plans are generally available in multiple benefit levels to suit individual and family needs. An optional Return of Premium Rider may be available as well.
Back To Top
Critical Illness: As medical technologies and treatments improve, more people are able to survive critical illnesses yet the rate of consumer debt has also risen. A Critical Illness policy pays a lump sum benefit upon the diagnosis of a covered serious illness. In addition, it can help meet the mounting debts that often occur during and after a serious illness. Some examples of a serious illness are Heart Attack, Stroke, Multiple Sclerosis, and Alzheimer's Disease. A critical illness policy has portable benefits and no reduction of benefits after insured reaches a certain age. In addition, equal benefit amounts are available for each family member when the employees buy family coverage. Critical Illness insurance may be right for you if your family is caring for children or aging parents, you are a professional in an industry where disability coverage is unavailable or unaffordable, or if you are otherwise worried about your finances being able to survive a critical illness.
Back To Top
Accident Insurance: According to Injury Facts, 2003, published by the National Safety Council, on average there are about 2,330 disabling injuries every hour during the course of a year in the United States. And about 37% of all hospital emergency department visits in the U.S. are injury related. An accident can wreak havoc on your savings if you're not prepared. That's why there's supplemental accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly. You can choose from On- and Off-the-Job Coverage or Off-the-Job Coverage only. Benefits include Accidental Death & Dismemberment, Hospital Confinement, Disability, Dislocation & Fracture, Ambulance Services, and Medical Expenses. For an additional premium, you can add riders to Extend and/or Enhance the policy benefits. You can also add Sickness riders to either policy, making it an economical way of providing accident only or accident and sickness benefits for you and your family.
Back To Top
Hospital Indemnity Insurance: Our hospital indemnity insurance, referred to as SHOP (Supplemental Health Options Policy), because it is a plan you build yourself when you "shop" for benefits that help satisfy your individual needs. For an additional premium there are 9 optional riders available in addition to the base plan (may vary by state). The base policy pays a daily benefit for hospital confinement. You "shop" for additional benefits from a list that includes an initial hospitalization, surgical and anesthesia, emergency room accident, inpatient, outpatient, at-home nursing, transportation, accident disability, and specified disease (cancer, heart attack and stroke) disability benefits. Simplified underwriting makes applying for coverage easy.
Universal Life Insurance: Starting now, you can apply for life insurance that will provide a death benefit and over time, may provide you with a fund value you can use for retirement, children's education or emergencies. Whether you prefer flexibility or guarantees, your agent can help you select the life policy that best suits your needs today and your needs tomorrow. Life insurance through Payroll Deduction or Direct Billing often for as low as $4.00/week premium. with minimum issues of $5,000 - Payroll ($10,000 - Direct), can generally be issued with Simplified or Contingent Guarantee Issue underwriting, up to $100,000, subject to a maximum weekly premium. Different companies have different parameters. Your Benefits Tamer will be able to find the best fit for your employees.
Back To Top
Term Life Insurance: Term life insurance is usually considered to be an economical method of owning life insurance to cover a specific need for a specific duration. 20 Year Term Life Insurance available through Payroll Deduction or Direct Billing. Minimum issue in most states of greater of $10,000 or what $2.00/week will purchase excluding riders, (Payroll) $25,000 or $100.00/year (Direct). Different companies have different parameters. Your Benefits Tamer will be able to find the best fit for your employees.
Short Term Disability: Provides a weekly disability benefit to the employee for a period of usually up to 26 weeks.
Long Term Disability: Provides a monthly disability benefit to the employee for an extended period of time.
Back To Top
For information and Benefits Tamer assistance please call:
Local: 248-788-0476 Toll Free: 800-786-5710
