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Group Medical Insurance
We are
authorized agents for the top rated group health insurance
plans Nationwide. We offer a wide variety of plans including
HMOs, PPOs, Health Savings Accounts (HSAs) and Health
Reimbursement Accounts (HRAs). HSAs can be offered with high
deductible health plans. Our benefit specialists can combine
high deductible health plans with HMO or PPO plans to offer
the right combination to reduce premiums. We assist in
educating employees to help them determine which plan best
meets their needs.
Group
Dental
We offer affordable dental plans with great benefits that can
be employer or employee paid. Kahn-Carlin represents many
trusted insurers for both Nationwide PPO and DMO dental
plans. PPO dental plans offer a variety of choices in
deductibles, co-insurance and annual benefit maximums along
with 100% preventative coverage. Our DMO dental plans offer
coverage on a fee for service basis with no annual maximums
and no waiting periods for major dental work. We pride
ourselves on matching a quality network, quick claims service
and a solid product that matches our client’s needs.
Group
Life & AD&D
Employees consider group life insurance an important benefit.
Millions of Americans are underinsured and this coverage is
an affordable option for employers to offer peace of mind for
employee’s families in the event of pre-mature death.
Accidental Death and Dismemberment (AD&D) provides additional
coverage in the event of an accident or dismemberment (i.e.:
loss of limb) Coverage can be based on a flat amount for all
employees, a multiple of earnings or a combination of both.
We offer liberal levels of guaranteed issue coverage for
groups with benefits that can be fully portable.
Group
Short Term Disability
Short Term Disability plans provide income replacement that
integrates well with Long Term Disability benefits. This
coverage provides a weekly benefit and helps employees
continue to pay bills when they become disabled due to a
sickness or non-work related injury. Short Term Disability
benefits typically last no more than 13 weeks. A range of
coverage is available from National carriers on a guaranteed
issue basis for most groups.
Life
Insurance
Life Insurance provides protection for your families and/or your
business’s future in the event of your death. We want you to
make the most informed decision possible to protect your
financial security. Our life insurance professionals will
help you select the right type of coverage with the right
amount to protect you adequately over the long-haul. We offer
term life, whole life, universal life and variable life
products. We also offer simplified issue individual life
plans for up to $50,000 in death benefit.
Long
Term Care Insurance
We make long term care insurance easy to understand so you
choose the right coverage for your needs. This coverage
provides a benefit to pay for nursing care, either in your
private home or in a nursing facility, in the event you lose
two or more of your daily living activities. Daily living
activities include bathing, dressing, transferring in and out
of bed or a chair, eating, toileting and continence. Benefits
would also be paid if you suffer a severe cognitive
impairment. Benefits are available on a daily or monthly
basis.
Our dedication to provide superior
service to our clients speaks for itself as many of our
customers have been partners with us for many years.
Please contact us to quote your business and allow us to be
your partner for all of your insurance needs. To obtain
more information, please contact Laura Traeger
ltraeger@kahn-carlin.com
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