Worksite Benefits, also known as Supplemental Insurance or Voluntary Benefits, have become a funding vehicle for employers in need of enrollment systems and/or enrollment services. We offer employees insurance against all of the unexpected.
Financial security is our priority, which is why we strive to offer employees the best supplemental and voluntary benefits at little to no cost to your business. The Grove Agency offers the insurance plans your employees are looking for. Learn more about our specific products below or reach out to us if you have any questions.
Products We Offer
Help Protect Your Employees’ Paychecks
Employees who can’t work because they’re sick or hurt may have a tough time paying for their everyday living expenses. With our disability insurance, you can offer financial protection that can be tailored to meet each of your employee’s unique needs.
The reality is that employee absences can cost an employer money. Disability insurance can be an important component of an effective absence management strategy. It replaces a portion of an employee’s income if he or she becomes disabled from a covered accident or sickness.
With our disability insurance, you can:
Help Your Employees Prepare for the Unexpected
With health care costs rising, it’s important to do everything you can to help your employees prepare for life’s sudden turns. While you want to do what’s best for your employees, you also have to consider costs and manage your budget.
Our accident insurance can help offset the unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.
With our accident insurance:
Accident insurance can provide your employees with benefits for initial care, surgery, transportation and lodging, and follow-up care.
You can’t always prevent accidents from happening, but you can help provide financial protection in case they do.
Help Employees with Serious Illness Expenses
Would your employees have the money to protect all they’ve worked for if they were to have a critical illness, such as a heart attack or stroke? While these illnesses can be sudden and unexpected, you can help your employees be financially prepared to cope with the costs associated with a serious illness.
Our critical illness insurance complements your major medical coverage offering by providing a lump-sum benefit that can be used to pay for the direct and indirect costs related to a covered critical illness, such as:
Benefits are paid directly to employees, unless they specify otherwise.
Add valuable coverage to your benefits package, and help your employees gain valuable financial protection – at no direct cost to you.
When Cancer Strikes, Employees Should Focus on Recovery
More than likely, you and your employees have friends and family members who have been affected by cancer, so you understand the financial impact this disease can have. In addition to rising treatment costs, there can be numerous other expenses to consider.
With Colonial Life’s Cancer Insurance, you can help your employees offset the out-of-pocket medical expenses and indirect, non-medical costs related to cancer that most medical plans don’t cover. Benefits are available from initial diagnosis through recovery and can be used to help with:
Our cancer coverage also provides a benefit for specified cancer-screening tests, which can help your employees proactively monitor their health.
Making Hospital Costs More Manageable
Health care costs are rising, and like you, your employees are looking for help. With an increasingly competitive job market, it’s important to offer a strong benefits package that can assist with these increasing expenses.
Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital confinement or covered outpatient surgery to help offset the gaps caused by costs that aren’t covered by most major medical plans. In addition, this type of coverage can help you provide employees with a soft landing if you need to move to a major medical plan that has higher out-of-pocket costs.
At no direct cost to you, your employees can gain valuable coverage they can use to help pay for:
With this coverage, you can give your employees the help they need with high deductibles and co-pays.
Protect your family’s future
Most employees like to know that if something happened to them, their loved ones would have financial stability. Your employees depend on you for a sound benefits package, but sometimes it’s good to supplement what you’re able to offer, especially when it comes to life insurance.
Our life insurance products enable your employees to tailor coverage for their individual needs. As your employees’ needs change over time, they can update their coverage for each stage of life – whether they’re getting married, having children or getting ready for retirement.
With our life insurance:
You can help your employees get the life insurance coverage they need to help protect what they’ve worked so hard to build.
Family coverage is available with all life products.
Help employees protect their dental health
Dental insurance can help employees maintain good dental health with easy-to-use coverage. This added financial protection is a simple way to enhance a benefits package.
Our dental insurance plans:
The policy covers routine procedures such as cleanings and fillings as well as sealants, tooth removal, crowns and dentures.