Metlife Term Life and AD&D Insurance
Employer Paid Life AD&D Options- Must Cover ALL Eligible Employees- anyone working 30 hours+
- $10k of Coverage- $1.47 per employee
- $50k of Coverage- $7.10 per employee
- $100K of Coverage- $14.10 per employee
- 2x Salary to Max of $200K- $0.152 per $1,000 of coverage 200k is $30.40 Benefit Reduces by 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
Metlife Short-Term Disability
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage of Wages after 7 or 14 Day Elimination Period
- 3 Month/12 Month Pre-Existing Conditions- Any Claims within the first 12 months of coverage will have a 3-month prior to coverage look back.
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf but allows for the benefit received to be tax-free
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|
Option 1 |
Option 2 |
Option 3 |
|
Benefit Amount |
60% |
||
|
Max Weekly Benefit |
$ 2,308.00 |
$ 2,308.00 |
$ 2,308.00 |
|
Elimination Period- Accident or Sickness |
14 days |
7 days |
7 days |
|
Benefit Duration |
26 weeks |
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|
Rate per $10 Covered Benefit |
$ 0.36 |
$ 0.44 |
$ 0.48 |
|
$50K Example- Monthly Premium |
$ 20.77 |
$ 25.38 |
$ 27.69 |
Metlife Long-Term Disability
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage after 7 or 14 Day
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
|
Option 1 |
Option 2 |
Option 3 |
Option 4 (gross-up) |
|
|
Benefit Amount |
60% |
|||
|
Max Monthly Benefit |
$5,000.00 |
$8,667.00 |
$10,000.00 |
$10,000.00 |
|
Elimination Period- Accident or Sickness |
180 Days |
|||
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Benefit Duration |
Social Security National Retirement Age |
|||
|
Rate per $100 Covered Payroll |
$0.266 |
0.282 |
0.288 |
0.319 |
|
$50K Example- Monthly Premium |
$11.08 |
$11.75 |
$12.00 |
$13.29 |
Metlife- Aura ID Theft
Comprehensive Digital Protection
- Comprehensive Digital Protection
- Financial Fraud Protection
- Identity theft protection
- Privacy Protection
- Parental Controls
- Senior Fraud Protection
- Password Manager
- Antivirus
- $5M Insurance per Adult
- 24x7 Customer support
Monthly Rates
Single Employee: $6.50
Family: $9
- All In One Easy to use App
- Financial Fraud Protection Connected to 3 Bureaus
- Dark Web & Social Media Monitoring
- Family Plans include 10 additional Adults and unlimited
Allyhealth EAP
- Must cover All employees working at least 30 hours a week.
$5 Per Employee Per Month
OUR EAP INCLUDES
- Work-Life/Personal Concierge services, including
- Child & Eldercare Resources
- Daily Living Resources
- Legal Assistance
- Financial Assistance
- Initial assessment and referral to one of our other services provided
- Short-term, solution-focused counseling*
- 24/7 live answer from a master-level clinician
- Computerized Cognitive Behavioral Therapy
- Mindfulness Program
- Life Coaching
- Text-based Coaching
- Content Library
- In-the-moment support
- One on One Wellness Coaching- Personalized Wellness Planning – Exercise Program, Nutrition, Weight Loss Management- Up to 6 sessions per Wellness Goal
Employer Paid Life
Hartford- Employer Paid Term Life and AD&D Insurance- Group Billed Only
- $10k of Coverage- $1.44 per employee
- $15k of Coverage- $2.36 per employee
- $25k of Coverage- $3.98 per employee
- $50k of Coverage- $8.85 per employee
- $100K of Coverage- $15.40 per employee
- 2x Salary to Max of $200K- $0.181 per $1,000 of coverage 200k is $36.20 Benefit Reduces by 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
Employer Paid STD and LTD
Hartford- Employer Paid Short Term Disability- Group Billed Only
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage of Wages after 7 or 14 Day Elimination Period
- 3 Month/12 Month Pre- Existing Conditions- Any Claims within the first 12 months of coverage will have a 3 month prior to coverage look back.
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
|
|
Option 1 |
Option 2 |
Option 3 |
|
Benefit Amount |
60% |
||
|
Max Weekly Benefit |
$ 2,308.00 |
$ 2,308.00 |
$ 2,308.00 |
|
Elimination Period- Accident or Sickness |
14 days |
7 days |
7 days |
|
Benefit Duration |
26 weeks |
||
|
Rate per $10 Covered Benefit |
$ 0.432 |
$ 0.46 |
$ 0.556 |
|
$50K Example- Monthly Premium |
$ 24.92 |
$ 26.54 |
$ 32.08 |
Hartford- Employer Paid Long Term Disability- Group Billed Only
- Must Cover ALL Eligible Employees- anyone working 30 hours+
- 60% Coverage after 180 Day Elimination
- Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
|
Option 1 |
Option 2 |
Option 3 |
Option 4 (gross-up) |
|
|
Benefit Amount |
60% |
|||
|
Max Monthly Benefit |
$5,000.00 |
$8,667.00 |
$10,000.00 |
$10,000.00 |
|
Elimination Period- Accident or Sickness |
180 Days |
|||
|
Benefit Duration |
Social Security National Retirement Age |
|||
|
Rate per $100 Covered Payroll |
$0.187 |
0.225 |
0.228 |
0.275 |
|
$50K Example- Monthly Premium |
$7.79 |
$9.38 |
$9.50 |
$11.46 |
