Group Term Life & AD&D
Guaranteed $30,000 benefit across all 13 full-time employees. Automatic baseline enrollment at zero cost to your personal budget.
- $30,000 Flat Coverage
- Accidental Death & Dismemberment Included
- 3-Year Guaranteed Rate Lock
SmartPremium Plus Dental
$2,000 annual max with 100% preventive coverage, 80% basic fillings, and 50% major restorative.
Beam Vision (VSP Choice)
Annual exam copay of $10 with a generous $130 frame or contact lens allowance (plus 20% discount on overage).
Hospital Confinement (GMB 7000)
Cash indemnity for inpatient admissions. Includes $0 riders: $50 Wellbeing standard benefit & $100 Daily Hospital Confinement.
Accident 4100 Preferred
24/7 on- and off-the-job injury protection with lump sums for fractures, ER visits, and burns. Built-in $50 wellness benefit.
Critical Illness Protection
Guarantee Issue lump-sum protection ($10k to $30k) for heart attacks, stroke, and cancer. Pre-existing conditions waived.
Voluntary Short-Term Disability
Replaces up to 60% of income. Guaranteed Issue to $3,000/mo. Doctors and leadership can buy up to $7,500/mo (subject to questionnaire).
Identity Theft & Cyber Protection
$1 Million Protection Package with 3-bureau credit monitoring, monthly credit scores, home title monitoring, and Norton VPN.
Pet Discount Plan (Essential)
Covers all household pets with 24/7 virtual triage, up to 87% Rx savings, and $500 0%-interest vet card via Fido medZERO.