GROUP PRODUCTS

Add valuable life and disability coverage to your basic employee health benefits package - and enjoy the convenience of a single bill when combined with a BlueCross BlueShield of Tennessee health plan.

Term Life and Accidental Death & Dismemberment (AD&D)
Group Term Life coverage is an essential component to an employer’s benefits program, and provides low-cost protection for employees and their families.
Basic group term life and supplemental life coverage can be sold to groups with as few as two employees. These benefits are sold on a guaranteed-issue basis, based on the group size.
In addition, our Accidental Death & Dismemberment (AD&D) group life companion product doubles the face amount of a life policy in the event of accidental death. AD&D insurance provides around-the-clock coverage for employees in the event of accidental death, severe injuries, or paralysis resulting from accidents on or off the job.

Short Term & Long Term Disability
Short-term disability plans offer group coverage that protects employees from a temporary loss of income due to accident, sickness or physician-care pregnancies and provides employers with an extra measure of cost savings should one of their employees become disabled for a short period of time, usually 3-6 months. Available to groups of two or more, this helpful coverage provides replacement of up to 70 percent of income for up to 52 weeks. It can be paid entirely by the employer or the cost can be shared.

If an employee became disabled, how would they pay the bills and support their family? Long Term Disability (LTD) insurance can help. LTD coverage usually begins where the short term insurance policy leaves off, replacing a portion of salary if the insured becomes disabled due to accident or sickness. It can be paid entirely by the employer or the cost can be shared.
Providing 24-hour-per-day coverage for both occupational and non-occupational disabilities, LTD is available to full time employees in groups of two or more.

Employee Assistance Program (EAP)
We’ve partnered with Magellan Health services to offer Employee Assistance Programs that help prevent an employee’s personal problems from escalating to more serious issues that can affect your company’s bottom line. Program participants can have pre-paid access to confidential services for:

• Substance abuse
• Mood disorders
• Stress management
• Anxiety
• Marriage and family issues
• Parenting
• Legal issues
• Financial issues

Long-Term Care
Long term care needs can be devastating to employees, but they can affect employers as well. Consider: an employee who is dealing with long term care needs for a family member may experience increased absenteeism, lowered productivity and morale, and an inability to participate in needed business travel. As awareness of the impact of long term care on individuals and businesses has grown, long term care insurance has become one of the most rapidly growing employee benefits today.

Long Term Care Insurance pays for care not covered by Medicare, such as nursing home, assisted living facilities, or in-home health care, that’s incurred later in life or due to a disabling accident.

Limited Medical Benefit Plans (Mini-Med)
Select Benefits enables employers to offer inexpensive, basic health and life benefits to employees in order to encourage routine physician visits. Benefits can be offered to full-time, part-time, hourly and seasonal workers. No employer contribution required. Employer must have 5 full-time W-2 employees on payroll in order to offer the coverage, with a minimum of 5 employees enrolled.