Absence management programs reduce your risk of non-compliance and eases the burden of administering employee time away. Tracks leaves to decide which employees qualify for FML job protection

According to the National Hospital Ambulatory Medical Care Survey:

Number of emergency department visits for injuries: 39.4 million (includes visits for adverse effects of medical treatment)

Number of visits to physician offices for injuries: 68.2 million (includes visits for adverse effects of medical treatment)

24 hour and Off the Job options. Plans pay over and above health insurance. Pays to the policyholder so they can use it as they see fit.

Over 15,000 employers and organizations have already taken advantage of the auto and home voluntary benefits programs from Liberty Mutual Insurance, making it the most popular sponsored program in the affinity marketplace.

Without your employees’ hard work, your business wouldn’t be able to grow and succeed. Reward them with auto and home voluntary benefits programs from Liberty Mutual Insurance. With these programs, your employees are eligible to receive exclusive group savings on our quality coverage and exceptional service, including a 12-month rate guarantee with 24-hour claims assistance.

Now you can make an easy addition to your employee benefits package. With our competitive rates and group discounts, the voluntary benefits program saves your employees money, with no additional cost or administrative burden for you. From marketing materials to enrollment paperwork, our dedicated account management team handles all the details, and our sales representatives will make on-site visits to address all of your employees’ questions in person. Great employees fuel great businesses; we’re making it easier than ever for you to take care of them.

According to the American Cancer Society, men have slightly less than 1 in 2 lifetime risk in developing cancer; for women, the risk is a little more than 1 in 3. Roughly 65% of cancer-related costs are indirect, and not covered by health insurance. Cancer insurance can help employees manage the high expenses of treatment, preserve their savings and protect their family from financial hardship.

Concierge benefits are designed to balance an employee’s personal and work life by offering timesaving benefits for employees.

Services include dry cleaning, meal catering, childcare arrangements, automobile services (oil changes, car wash, etc).

Employers benefit from increased employee productivity by reducing the amount of time employees may be spending on non-work-related activities during the day.

These types of work/life benefits can also attract Gen X and Gen Y employees to the company.

Critical Illness Insurance Pays A Lump Sum Cash Benefit When You Are Diagnosed With A Critical Illness

According to a Harvard University study, costly critical illnesses trigger about half of all personal bankruptcies, and most of those who go bankrupt because of medical problems have health insurance. Even if you have great medical insurance, you may have deductibles and co-insurance. You may have to pay for care, medications, and alternative treatments that are not covered.

According to the 2017 Identity Fraud Study, Javelin Strategy & Research. There’s a new victim every two seconds.

There are many ways for criminals to steal your identity. They can open accounts, buy properties, and even file tax returns in your name.

Dental illness is the most common of all chronic health concerns. It accounts for significant loss of workforce productivity and substantial healthcare costs, according to the American Academy of Periodontology. Improve employee health, performance, satisfaction and retention by providing dental insurance.

The American Community Survey (ACS) estimates the overall rate of people with disabilities in the US population in 2015 was 12.6%. 51.1% of the total disabled population were people in the working ages of 18-64.

Money Management International, a nonprofit credit counseling organization, recent survey conducted shows evidence that employers can significantly reduce stress among their employees by offering them financial counseling resources. Other research has shown employers are increasingly viewing financial counseling as a key component of wellness initiatives due to the significant psychological and emotional toll money-related anxiety takes on employees.

How will you prepare for out-of-pocket expenses from hospital and doctor bills?  Most insurance will only cover a portion of your overall medical expenses. The medical gap plan is designed to help cover your out-of-pocket expenses that can really add up.

Supplementing your major medical with medical gap insurance may help you pay for expenses, such as:


Health advocates provide benefits assistance and navigation, as well as clinical guidance. Benefits to employees include:

Saved time and money.

Health advocates offer assistance in optimizing individual benefit plans, and resolving billing issues and claim disputes, helping employees take full advantage of their benefits.

Clinical services navigation.

Health advocates help employees find providers, clinics and hospitals and understand medical conditions, tests and medications.

Referral and resource support.

Advocates assist in locating and making arrangements for family members’ special service needs, such as eldercare.

These health advocates help address concerns and answer questions—saving employees, not to mention the Human Resources staff, crucial time.

The time away from work that employees may need to deal with legal concerns is understandable, but there can be additional effects in the workplace. Absenteeism, poor job performance and even higher healthcare costs can result when an employee is under the stress of a legal-related event. One solution that’s growing in popularity among employers is offering employees legal insurance benefits, also referred to as prepaid legal plans. These are often provided as a voluntary benefit that is available at no cost to the employer.

While more American households have insurance, many still need life insurance


  • In 2016, there are nearly 5 million more U.S. households that have life insurance coverage, compared with 2010 results.
  • However, 30 percent of households (37.5 million) remain uninsured
  • Approximately 50 million households recognize they need more life insurance (40 percent of households).

As veterinary medicine is increasingly employing expensive medical techniques and drugs, and owners have higher expectations for their pets’ health care and standard of living than previously, the market for pet insurance has increased. Pet insurance pays, partly or in total, for veterinary treatment of the insured person’s ill or injured pet. Some policies will pay out when the pet dies, or if the pet is lost or stolen.

Telemedicine is the ability to provide interactive healthcare utilizing modern technology and telecommunications. Allows patients to visit with physicians live over video for immediate care or capture video/still images and patient data are stored and sent to physicians for diagnosis and follow-up treatment at a later time.

These numbers are based on data from NHANES, NHIS, and compilation of population based studies

Approximately 14 million Americans aged 12 years and older have self-reported visual impairment defined as distance visual acuity of 20/50 or worse. Among them, more than 11 million Americans could have improved their vision to 20/40 or better with refractive correction.

Approximately 11% of Americans aged 20 years and older with diabetes had some form of visual impairment (3.8% uncorrectable and 7.2% correctable). Among those without diabetes, 5.9% had some form of Visual Impairment (VI) (1.4% uncorrectable and 4.5% correctable).


1,600,000 Americans aged 50 years and older have age related macular degeneration

There are many different types of wellness programs with the best being the ones that educate and encourage employees to adopt a healthier lifestyle.  There are five main benefits of establishing a culture of fitness in your company.

Fitness Lowers Healthcare Costs
Less Absenteeism
Fitness Creates Less Stress
Fitness Encourages Better Work Performance
Fitness Fosters Teamwork