MetLife Term Life & AD&D Insurance
34 States: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
Employer Paid Life AD&D Options – Must Cover ALL Eligible Employees (anyone working 30+ hours)
$10K
$1.47 per employee
$15K
$2.21 per employee
$25K
$3.68 per employee
$50K
$7.10 per employee
$100K
$14.10 per employee
2x Salary
$0.152 per $1,000
Max $200K = $30.40
Benefit Reduces: 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
MetLife Short-Term Disability
34 States: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
- ● Must Cover ALL Eligible Employees (30+ hours)
- ● 60% Coverage of Wages after 7 or 14 Day Elimination Period
- ● 3 Month/12 Month Pre-Existing Conditions lookback
- ● Gross Up Option Available
| Plan Details | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Benefit Amount | 60% | ||
| Max Weekly Benefit | $2,308 | $2,308 | $2,308 |
| Elimination Period | 14 days | 7 days | 7 days |
| Benefit Duration | 26 weeks | ||
| Rate per $10 Covered | $0.36 | $0.44 | $0.48 |
| $50K Example | $20.77 | $25.38 | $27.69 |
MetLife Long-Term Disability
34 States: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, IL, IN, IA, KS, KY, MA, MI, MO, MT, NE, NV, NJ, NM, NY, NC, ND, OH, OK, RI, SC, TN, UT, VA, WI
- ● Must Cover ALL Eligible Employees (30+ hours)
- ● 60% Coverage after 180 Day Elimination
- ● Gross Up Option Available
| Plan Details | Option 1 | Option 2 | Option 3 | Option 4 (Gross-up) |
|---|---|---|---|---|
| Benefit Amount | 60% | |||
| Max Monthly Benefit | $5,000 | $8,667 | $10,000 | $10,000 |
| Elimination Period | 180 Days | |||
| Benefit Duration | SS National Retirement Age | |||
| Rate per $100 Payroll | $0.266 | $0.282 | $0.288 | $0.319 |
| $50K Example | $11.08 | $11.75 | $12.00 | $13.29 |
MetLife Aura ID Theft
Available in 50 States
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
Single Employee
$6.50/mo
Family
$9.00/mo
- • All In One Easy to Use App
- • Connected to 3 Credit Bureaus
- • Dark Web & Social Media Monitoring
- • Family Plans: 10 Adults + Unlimited Minors
AllyHealth EAP
Available in 50 States
Must cover all employees working 30+ hours/week
$5 per Employee / Month
EAP Includes:
- ✓ Work-Life/Personal Concierge Services
- ✓ Child & Eldercare Resources
- ✓ Legal & Financial Assistance
- ✓ Initial Assessment and Referral
- ✓ Short-term, Solution-focused Counseling
- ✓ 24/7 Live Answer from Clinician
- ✓ Cognitive Behavioral Therapy
- ✓ Mindfulness Program
- ✓ Life Coaching & Text-based Coaching
- ✓ Content Library
- ✓ In-the-moment Support
- ✓ Wellness Coaching (6 sessions/goal)
Hartford Life & AD&D Insurance
16 States: CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Employer Paid Term Life & AD&D – Group Billed Only
$10K
$1.44 per employee
$15K
$2.36 per employee
$25K
$3.98 per employee
$50K
$8.85 per employee
$100K
$15.40 per employee
2x Salary
$0.181 per $1,000
Max $200K = $36.20
Benefit Reduces: 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80
Hartford Short-Term Disability
16 States: CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Employer Paid STD – Group Billed Only
- ● Must Cover ALL Eligible Employees (30+ hours)
- ● 60% Coverage of Wages after 7 or 14 Day Elimination Period
- ● 3 Month/12 Month Pre-Existing Conditions lookback
- ● Gross Up Option Available
| Plan Details | Option 1 | Option 2 | Option 3 |
|---|---|---|---|
| Benefit Amount | 60% | ||
| Max Weekly Benefit | $2,308 | $2,308 | $2,308 |
| Elimination Period | 14 days | 7 days | 7 days |
| Benefit Duration | 26 weeks | ||
| Rate per $10 Covered | $0.432 | $0.46 | $0.556 |
| $50K Example | $24.92 | $26.54 | $32.08 |
Hartford Long-Term Disability
16 States: CT, DC, ID, LA, ME, MD, MN, MS, NH, OR, PA, SD, TX, VT, WA, WV
Employer Paid LTD – Group Billed Only
- ● Must Cover ALL Eligible Employees (30+ hours)
- ● 60% Coverage after 180 Day Elimination
- ● Gross Up Option Available
| Plan Details | Option 1 | Option 2 | Option 3 | Option 4 (Gross-up) |
|---|---|---|---|---|
| Benefit Amount | 60% | |||
| Max Monthly Benefit | $5,000 | $8,667 | $10,000 | $10,000 |
| Elimination Period | 180 Days | |||
| Benefit Duration | SS National Retirement Age | |||
| Rate per $100 Payroll | $0.187 | $0.225 | $0.228 | $0.275 |
| $50K Example | $7.79 | $9.38 | $9.50 | $11.46 |
