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RSI Benefits represents a majority of all major carriers in providing group health insurance plans. We offer a variety of comprehensive healthcare/major medical/health insurance/indemnity plan options offered thru many of the major healthcare providers. You can choose the plan that best fits the needs of your business and your employees.
Group Dental Insurance is one of the benefits most requested by employees. Many employers provide dental insurance for their employees, but are limited to only offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions. We offer many varieties of plan designs from traditional to dual choice and even self-funded options.
Vision insurance can also be offered on an Employer paid or Voluntary basis. This can be written down into 2 lives, and we offer several companies that can quote competitive options. These plans utilize networks of providers, but all vision plans can and do offer out-of-network benefits. Providing or offering Vision insurance promotes regular eye exams and helps with the high costs associated with optical health care.
Group Life Insurance / Accidental Death and Dismemberment (AD&D) is an important benefit.
— The coverage costs are usually much less than if the employee purchased an individual policy, and the employees appreciate the value of a Life insurance policy and the additional security it provides to their family.
— These plans can be offered as Employer Paid or on a Voluntary basis.
— Guarantee Issue is available.
— Dependent Life is also available on these plans
Long Term Disability (LTD) and Short Term Disability (STD)
“Paycheck” insurance is something that all employees need. It protects the one thing that most people need the most when they cannot work, their income. We can help find a plan, whether it be Short or Long Term Disability that can help make this option affordable to the Employer AND the Employee.
Short Term Disability pays a percentage of a paycheck (typically 60%) if an employee become disabled due to an accident or illness and benefits are typically payable weekly for 12-26 weeks. This all depends on the plan design selected. If Long Term Disability is also offered, then the length of the Short Term Disability benefit period will align with the elimination period of the LTD plan. Long-term disability insurance usually lasts for the length of the disability or until retirement.
We have several carriers that can assist with the administration of Section 125 plans (Cafeteria Plans).
Premium Only Plans and Flexible Spending Accounts.
In addition, we can develop and design self-funded Dental and Vision plans that need Administration services to pay claims, or even recommend and create a benefits package for the Employer that includes compliance services (i.e ERISA plan documents, COBRA, FMLA, HIPAA, etc).
RSI Benefits offers a variety of life protection plans to help protect individuals and families against unexpected emergencies and significant life events. These include plans that offer coverage for:
Cancer & Critical Care Insurance — Hospital Indemnity & Health Share Plans —
Prescriptions Plans — Legal Shield — Indemnity Theft — Final Expense Plans
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