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Employee Benefits


If you needed dental care, would you be able to afford it? The cost of routine procedures can add up, not to mention expenses caused by root canals and extractions. A dental plan through your job can help cover these expenses, and guard against future problems by paying for preventive care.

If you were injured and couldn’t work, how would you pay your monthly bills? With a group disability plan, you’d receive benefits until you returned to work.

If you suffered from cancer or a heart attack, would you have enough money to pay all the expenses? Several expenses caused by critical illnesses aren’t covered by a medical plan, so enrolling in a group critical illness plan can help cover these costs.

The bottom line is employee benefits plans provide insurance coverage typically at a lower cost than if you purchased it on your own. Since health issues happen to anyone at any time, protecting yourself and your assets is critical.

To learn more about how Broad River's plans can help meet your needs, talk to your human resources representative. And to see how much Life & Disability coverage you might need, go to www.aboutemployeebenefits.com.

Flexplan


Section 125 plans or cafeteria plans enable employees to pay for certain benefits, and health and dependent care expenses, with pre-tax dollars taken directly from their paychecks.

Guardian's Section 125 plan, Flexplan, offers several types of plans, and our dedicated administrative support enables employers and employees to benefit from significant tax savings.

Worksite Benefits


Broad River's broad voluntary product portfolio and unique worksite capabilities help employers maintain a strong benefits package and compete for the most talented and loyal employees.

Employees get the coverage they need through convenient, automatic payments via payroll deduction.

  • Dental
  • Disability
  • Life
  • Vision
  • Critical Illness


With participation rates above the industry average(1), our voluntary products are supported before, during, and after enrollment to ensure that understanding the plans and signing up for them is simple and easy.

(1) Eastbridge Study, 2010.

Vision Benefits


Healthy eyes often translate into good overall health, so vision care is an important part of any benefits program. Regular eye exams can detect diseases like glaucoma, diabetes, and other possible causes of blindness in their early stages.

Our vision plans provide access to two large national vision care networks. We cover exams and materials, and allow members to visit any doctor they wish, but offer significant savings on out-of-pocket costs when visiting a network provider.

Critical Illness Insurance


There's a common belief that as long as you have medical and disability income coverage, you can handle the financial impact of a critical illness. But it’s not true.

Several medical expenses related to a critical illness aren’t covered by medical or disability insurance – treatments, doctors’ visits, deductibles, and out-of-pocket expenses.

There are also uncovered non-medical expenses like lost wages, travel, and child care that can really add up and bankrupt even financially healthy families.

Critical Illnesses are common. 9 out of 10 consumers know someone or have a family member who has suffered a critical illness.(1) Critical illness can potentially affect virtually every family.

Critical Illness insurance is a valuable employee benefit that can help alleviate the financial burden of a critical illness (2):

  • Pays a benefit upon a qualified diagnosis of Critical Illness: heart attack, cancer, stroke, major organ transplant, end-stage renal failure, or coronary artery bypass graft (CABG).
  • Lump sum payments are available from $1,000 to $50,000 (3).

  • Hospitalization payments are available up to $500 per day due to a non-critical illness such as an accident or injury.


(1) Guardian Omnibus Study, 2008.
(2) Not available in NY, MN, NH, VT, CT.
(3) $20,000 in Florida.

Life Insurance


When the unexpected happens, ensuring loved ones have appropriate financial protection is crucial.

While most people recognize the value of life insurance, nearly one-third of American households currently don't carry any life insurance at all.(1)

We provide companies with Group Term plans and options, including voluntary coverage, that help give employees and their families protection against the most difficult circumstances.(1) LIMRA Life Insurance Ownership Study, 2010

Disability Insurance


Disability Insurance protects people’s most valuable asset – maintaining financial stability when they are unable to work.

Employers want to ensure productivity and profitability while making certain their employees are in good hands.

  • Experience and Expertise: Our highly skilled claims staff has high tenure and very low turnover When it comes to disability claims, that kind of continuity and stability is critical.
  • We're Proactive: STD claims are paid in 1 week or less, starting from the day we received a claim. Once a claim is filed, we know what questions to ask and how to get information from doctors quickly, with much less strain on employees. Plus, employees can count on us for fast and accurate claims decisions and payments.
  • One Claims Benefit Analyst: We dedicate a single, reliable point person to provide information and answers on all disability claims.

Dental Benefits


With a long history of providing dental benefits, Broad River gives employees choice, empowering them to make the right decisions to improve their oral and overall health.

We offer one of the largest preferred provider organization networks with over 74,000 providers at more than 161,000 locations nationwide. Discounts average 30%, so members can save money on treatments while staying healthy.

Here are some more reasons to choose Broad River Group Dental:

There is no one-size-fits-all solution for providing retirement benefits for your employees. There are a wide range of plans available for different types of companies with different structures and objectives. Some of these include:

  • Flexibility: We offer a variety of plan designs including Administrative Services Only (ASO), Preferred Provider Organization (PPO), and Pre-Paid. Innovative plan options like Maximum Rollover get more value out of annual maximums, allowing members to roll over a portion of unused benefits for future use.
  • Wellness Features: We’re committed to helping our members improve their oral and overall health and encourage preventive care through coverage of early cancer detection exams, adult fluoride treatments, implant coverage, and discounts on Xylitol products
  • Tools and Services: We help members make educated benefit decisions with online tools like the Dental Cost Estimator and Find a Provider site. Claims reports help brokers and employers determine if their plan is working for them. Members can rely on our fast 2.5 day average processing time and 99% accuracy rate.

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