Insurance Products
As specialists in designing, building and executing a portfolio of benefits, HR, compliance and technology resources, USEBSG offers a wide range of insurance products to meet the diversified needs of your employees, adding considerable value to your benefit package.
As a division of U.S. Retirement & Benefits Partners we are able to leverage the resources and national market presence of a leader in the employee benefits and retirement planning industry. Our emphasis on choosing the right benefits, offered through innovative strategies and technology to simplify administration, sets us apart in serving our clients.
Group Medical & Prescription Drug Coverage
As Group Medical and Prescription Drug costs continue to rise at a seemingly exponential rate, we take the time to learn more about the needs of employers and employees to source, implement, and manage the most cost effective and well received plans. We understand that one size doesn’t fit all when it comes to your employees’ benefit needs. Through our network of national resources, we have access to wide variety of plan options, which we thoroughly assess to ensure we continue to provide best in class health insurance and prescription drug care to our clients.
Group Dental
Through our proprietary relationships, we can help consult on and negotiate Dental programs in or out of existing group purchasing arrangements such as a trust or consortium for Public and Private sector employers. Our involvement has no effect on the rates and all the upside of enhanced value such as multiyear rate guarantees, expanded networks, and more. Ask us how we can leverage our size and scope to maximize your Dental dollars spent!
Vision Coverage
Vision plans are a commonly used benefit and a plan with comprehensive modern features is important to employees, yet Employers do not always realize that the coverage in Vision plans change over the years and find that their plan designs are decades old. Let us review your plan and bring in a product suitable for the diverse needs of today’s employees.
Group Life Insurance
Group Life Insurance is simple to administer, predictable, and most importantly, valued by employees. With our unparalleled experience in this market, not only do we secure the most favorable financial agreements for employers and employees, we make sure the insurance policies being offered are aligned with the obligations of Collective Bargaining Agreements or Employment Contracts.
Group Disability Insurance
Perhaps the most under-utilized benefit offered by employers. Many employees are drastically under-insured if they were to suffer a serious accident or illness that prevented them from working. We educate employees on features of this important coverage including plan maximums, policy limitations, and the impact of taxation. We are uniquely qualified to ensure that your employees are protected.
Accidental Death & Dismemberment Insurance
We have designed an AD&D plan with unique features for the K-12 market not found in typical AD&D plans attached to your group life plan. The Tuition Benefit Rider will pay up to $3,000 towards any children in college when this benefit is claimed. There is also $100,000 of coverage for all your school board members. We have been able to secure extremely competitive pricing based upon our customer base.
Medical Premium Expense
If you become disabled and use up your sick days and Family Medical Leave Allowance (FMLA), how long will your employer pay for your benefits? Your disability plan should cover your salary, but what if you are presented with a medical insurance bill of $18,000 – $20,000 annually? Contact us today to find out about the solutions we offer to address this significant financial risk.
Voluntary Benefits
Employers realize one size does not fit all employees and the diverse needs of today’s workforce demands options for protecting employees and their families. As experts in the field, we work with our clients to design the optimal voluntary benefit offerings to support attracting and retaining employees while not adding cost to the employer. (Ex: Accident, Critical Illness, Identity Theft, Pet Ins., LTC)
