SMALL EMPLOYER GROUPS Employers wishing to offer their employees greater flexibility of personal choice regarding their benefit coverage, while controlling costs today and in the future, have several benefits programs to choose from in lieu of traditional ones.

Highlights:

• There are no participation requirements from the group, and participation is voluntary;
• Employer contributions are optional. For example, some programs can be implemented on a fully employee-paid basis, while other plans are designed around a defined employer contribution;
• Participants can pick the coverage that best meets their need and ability to afford;
• There is no administration involvement for the employer other than distributing the Program flyers and Application Forms/Health Declarations;
• There are no membership fees and no medicals;
• Benefits are portable;
• Disability – Smokers not penalized with higher rates