VOLUNTARY PRODUCTS:

Voluntary insurance plays an important role in employee benefit packages, helping companies balance employee needs. Used as a complete employee-paid package or in conjunction with existing employer-paid benefits, voluntary insurance helps employers maintain a competitive benefits program. The value for employees is found when purchasing products at affordable group rates.'

Term Life
Designed to work hand-in-hand with Group Life insurance products, Voluntary Term Life gives employees the option to purchase additional amounts of life insurance at affordable group rates.
Offers up to $300,000 of term life insurance for employees and their spouses.

• Spouse benefit available up to $300,000.
• $5,000 and $10,000 Dependent children coverage available.
• Accidental death & dismemberment benefit - $10,000 - $300,000
• Guaranteed issue available for groups of 6 or more with at least 25% participation.
• Two lives minimum participation.
• Portable from job to job.

Short Term Disability
Short Term Disability or Voluntary Income Protection (VIP) allows an employee to select short term disability benefits that protect their ability to earn an income in the event they suffer an illness or off-the-job accidental injury. If an employee loses the ability to earn a paycheck, VIP will give them the peace of mind that they will be able to continue making payments on a home and give their family financial stability and is available to individuals whose employer has sponsored the plan and has provided for premium payments to be made through payroll deduction. A group contract is issued to the sponsoring employer.
Income replacement coverage provides up to 70 percent of pay for up to 52 weeks due to sickness or injury.

• Benefits available down to one approved application.
• Guarantee Issue – no underwriting required.
• Pre-Existing Limitation 12/12 (Treatment 12 months prior to the effective date will not be covered for 12 months after the effective date.)
• Elimination periods: 1st day accident and 8th day sickness or 8th day accident and 8th day sickness or 15th day accident and 15th day sickness.
• Benefit periods available: 13, 26 or 52 weeks.

Long Term Disability
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. It can be paid entirely by the employer, by employees or the cost can be shared.
Income replacement coverage provides up to 66-2/3 percent of pay until age 65 due to illness or injury for extended periods of time.

• Three benefit plan options available.
• Benefits available down to 10 lives.
• Pre-Existing Limitation 12/6/24 (Benefits will not be paid for treatment received 12 months prior to the effective date. Does not apply to conditions occurring more than 24 months after the effective date or treatment free for 6 months after the effective date.)
• 90, 180 & 360 day elimination periods available.
• Guaranteed issue – no underwriting required.

Dental Care
Many studies have shown that overall health may be associated with good dental hygiene. Some employers cannot afford to offer a dental benefits plan, which can result in a financial burden for employees. A smart alternative is an employee-pay, dental benefit program. GIS has partnered with Companion Life Insurance to offer a program that fits employers’ financial strategies while providing a high degree of customer satisfaction and value to employees.
From preventive care to orthodontics - plans feature a $100 lifetime deductible and the freedom to visit any provider.

• Minimum participation of two employees
• Two benefit plans available:
• Prime Plan 100% preventive/80% basic/50% major services; $1,200 Calendar Year Maximum.
• Choice Plan 100% preventive/80% basic; $1,000 Calendar Year Maximum.
• Optional Orthodontics coverage available.

CancerCare Plans
Cancer can have a dramatic impact on the lives of employees, particularly where finances are concerned. CancerCare Elite provides supplemental coverage when certain losses occur as a result of cancer or a listed specified disease. CancerCare Elite pays directly to the insured, regardless of other coverage. Coverage is available to employees and their families.

Critical Care
With a critical illness plan, the goal is to help employees and their families cope with and recover from the enormous financial stress of surviving a critical illness such as cancer, heart attach or stroke.
A lump sum is paid upon the first positive diagnosis of a covered critical illness. Plans are available with or without cancer coverage, in $5,000 increments up to $100,000.

Accident Elite
Accident Elite allows an employee the option of supplemental coverage for costs associated with accidental injury and death and the option of choosing coverage to fit his/her individual needs. The policies are composed of a base policy with choice of disability riders. The policies are only available on a payroll deduction basis and guaranteed renewable. Coverage is provided for accidents occurring both on and off-the-job.

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 Benefit Medical Insurance
Select Benefits is limited benefit medical insurance that can provide routine benefits at a price the employer can afford.  It is designed for full-time, part-time, hourly, seasonal and temporary employees and their eligible dependents. 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. Group size requirements may vary by state. Select Benefits is insured by Symetra Life Insurance Company, Bellevue Washington. Policies are not available in all states. Coverage may be subject to exclusions, limitations, reductions and termination of benefit provisions.

Voluntary Vision
GIS offers the flexibiity to tailor a vision care plan to meet each client's specific requirements. Vision programs can be structured with an array of plan design entitlements, copayment options and benefit coverage levels to ensure optimal cost-benefit results.