• Employer Choices
  • Employee Choices
  • Employers Can Choose:

    - One option from Health and one option from Dental in Section 1, Vision care is optional >> View Health & Dental Options Now.

    - One option from Life, AD&D, Dependent Life and One option from Long Term Disability in Section 2 >> View Life & Disability Options Now.

    - One option from Critical Illness in Section 3 >> View Critical Illness Options Now.

    - Or any combination of sections >> View Example of a Combination of Options Now.

    Therefore each section can be purchased separately or in combination with any other section.

  • Employees Can Choose:

    - Single coverage, if an employee has no dependents

    - Couple coverage, providing benefits for an employee with one dependent

    - Family coverage, providing benefits for the employee, their spouse and any dependent children under the age of 21 or under the age of 26 if attending
    school full-time

    - Opt out – employees can choose Life and Disability benefits only (if selected as part of your group coverage) and opt-out of health and dental benefits
    if they have benefits under another plan (such as their spouse’s group plan)