Ancillary insurance is a secondary level of benefits to medical insurance. No matter what Ancillary plan an employer is considering, TIG has the experience and carrier pricing power to establish a “best in class” plan. Ancillary benefits are a secondary safeguard for employees to offset the cost of unforeseen risks.
Dental Insurance: The “next in line” coverage to medical insurance in terms of popularity and protection. Dental care can be extremely expensive and finding the correct dental plan will offer participating members critical financial support for many levels of claims.
Short-term Disability Insurance (STD) / Long-term Disability Insurance (LTD): Can be complex, but the bottom line of disability coverage is paycheck protection. The coverage is critical for employees and when paired correctly will offer a valuable security blanket for all employees and employers.
Life Insurance and Accidental Death & Dismemberment Insurance (AD&D): The best way to provide a very high benefit coverage at the lowest cost to employees. Especially when taking advantage of guarantee issue limits offered by select carriers.
Vision Insurance: A widely popular coverage that is very inexpensive compared to the covered benefits. Certainly, a frontline employer or employee paid program that delivers exceptional value.
Voluntary Insurance Programs: Are usually an overlooked benefit. By selecting the options that will accomplish the needs of the workforce the employer can help employees with care and financial security that other employers are not considering and increase employee retention.
Employee Assistance Programs (EAP): Typically, part of an ancillary insurance policy can offer a very basic resource for employees to gain access to counseling professionals along with other resources for family, financial and legal matters. There are different levels of EAP plans.