Franklin Rodbell
Partner
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Planning for the Unexpected
When you provide your employees with the opportunity for group life, disability insurance, or accident protection you are providing your employees with protection from the unexpected. Blue Harbor Benefits will review your employee benefit plan to assure that your employees are receiving the highest level of benefits available at the most affordable cost to you.
There are several different ways to implement these types of coverages. They could be employer sponsored, where the employer picks up the entire cost. They could be offered on a contributory basis, where the employer and employee each pay a portion of the premium. Or they could be voluntary, where the benefit is offered at the employee’s sole expense using a payroll deduction.
There are many nuances to understanding your group life, disability insurance, and accident protection options, and together we will come up with the best solution for you and your employees. In particular, employee benefit plans can be designed with a guaranteed maximum issue on group life insurance from $50,000 to $250,000; short-term weekly disability benefits from $500 to $2,000; and long-term monthly disability benefits from $5,000 to $15,000, depending on the size of your group.
We work regularly with most major life insurance and short and long term disability carriers, including:
