Digital Employee Benefits Brochure Template - Google Slides, Powerpoint & PDF
As an insurance broker, you have the resources to create an outstanding employee benefits brochure for your clients. Static Word documents or PDFs no longer suffice. Consider a brochure filled with external links to email addresses, internal links, tags for more information, and descriptive videos.
Employee Benefits 20xx Benefits for your staff and their family members!
Introducing CARLA Carla provides customized and private benefits guidance that can be accessed Welcome on any computer, tablet, or smartphone. Our company is committed to ensuring the well-being, health, and safety of you and your family. To support this dedication, we have created a comprehensive benefits program designed to help you achieve See More your physical, financial, and work-life objectives. Our aim is to provide you with the necessary tools and resources to make full use of your benefits, and this Benefits Guide is Contents one such resource. We encourage you to carefully review it to understand the key features of our benefits and to have conversations with your family 3 Contacts about your options. 4 About Us For more detailed information about 5 Employee Eligibility your benefits, important documents, and enrollment procedures, we encourage you to visit our Employee 8 Medical Insurance Benefits website at e.wellness.com. 8 Dental Insurance 10 Life Insurance 12 Spouses & Children Insurance 13 Disability Insurance 14 Retirement Plans 15 Additional Benefits 2
1. Contacts Please consult this list for contacting your benefit vendors. If you require additional information, please reach out to the HR department. Broker Contact Marcelo Smith (943) 291-3753 Human Resources Amanda Smith (388) 616-4240 Medlight (388) 616-4240 See More 3
2. About Us For close to 20 years, Our Company has been dedicated to the well-being of your employees and their loved ones Our commitment lies in offering comprehensive, flexible, and cost-effective benefits programs. Demonstrating that your employees are our most valuable asset is achieved through providing top-notch benefit plans. Our decision to eliminate external Agents Eligible employees have a variety of benefit has resulted in lower premiums for our plans to select from, so we urge you to customers. Additionally, our direct carefully review this benefits guide to assist communication with clients ensures you in making the best benefit elections for greater clarity and transparency in our you and your family. We prioritize offering services. coverage options that are tailored to your needs, rather than a one-size-fits-all approach. With a clear purpose, ingrained values, and a rich history, we aim to provide our clients with longevity, stability, and a sense of security. 4
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3. Employee Eligibility Who call enroll? When can changes be made In order to participate in the plans detailed in this manual, you must be a full-time During the middle of the year, you may employee, with a minimum of 30 hours adjust your selections if certain qualifying worked per week. If you are a new employee, events take place, such as marriage, the your benefits will take effect on the first day birth of a child, adoption, involuntary loss of of the month after your date of hire. coverage from a qualified group plan, divorce, legal separation, or the death of a spouse or dependent child. To qualify for Your eligible dependents for enrollment in changes, you must inform Human the plan include: Resources within 30 days of the mid-year qualifying event. Open Enrollment occurs • Your legal spouse / partner annually, providing you the opportunity to freely modify your plans and enrollments. • Dependent children For your company, this period takes place in March each year. • Children of your legal spouse Have Questions? 4 5
4. Medical Insurance One of the most popular benefits offered by employers is medical insurance for employees. It is essential to emphasize that, under the Affordable Care Act (ACA), employers with more than 50 full-time employees are mandated to include medical insurance in their employee benefits package. Medical insurance typically includes See More coverage for health, vision, and dental services. Employers commonly provide these three benefits as a package to their employees. • Health coaching, • Emotional support Health insurance may encompass additional • Access to legal services features such as a health savings account (HSA), flexible spending account (FSA), or • End-of-life care health reimbursement account (HRA). • Grief counseling Certain employers provide one or all three of these choices. It is crucial to clarify to your staff the distinctions among these options and the advantages they may offer. 46
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Health Insurance Plan It is recommended that the decision regarding the most suitable additional health insurance program for your employees be made in consultation with your corporate insurance provider. It is crucial to educate yourself about the various programs available, as each one offers unique benefits to companies. Self+ Self+ Plan Self Family Child(ren) Adult CORE (PPO) $0.00 $0.00 $0.00 $0.00 Kaiser Permanente - $0.00 $0.00 $0.00 $0.00 CA (HMO) UC Blue & Gold $0.00 $0.00 $0.00 $0.00 HMO UC Care (PPO) $0.00 $0.00 $0.00 $0.00 Providing medical insurance is a common employee benefit provided by employers. It is crucial to understand that under the Affordable Care Act (ACA), companies with over 50 full-time employees are required to include medical insurance in their employee benefits package. 7
5. Dental Insurance We provide two dental plans via Principal, both of which are PPO plans. These plans give you the flexibility to utilize either in-network or out-of-network benefits. In the event that out-of-network dentists are utilized, you will need to cover the variance between Guardian's approved amount and the dentist's charges, commonly referred to as "balance billing". The following charts offer a concise summary of the plan. Visit www.principal.com and navigate to the "Individuals" section. From there, access the drop-down menu labeled "Insure" and choose "Find a Dentist" for the state of Florida within the "Principal Plan Dental Network". Proceed by entering your preferred search location or the name of the provider/office you are looking for. See More 448
Base Dental High Dental Options PPO Plan PPO Plan Individual $50 $50 Family $150 $150 Annual Maximum Per covered person $1,000 $1,000 Preventative Care Oral Exams (once/6 months), Cleanings, X-Rays (full mouth Covered at 100% Covered at 100% once/60 months) Major Procedures Bridges & Dentures, ENDO (Root Canal), Single Crowns, Simple & Covered at 50% after Covered at 90% after Complex Extractions, PERIO deductible deductible Maintenance (scaling and root planing) Out-of-Network Annual Maximum $1,000 $1,000 Deductible $100 / $300 $50 / $150 9
6. Life Insurance Employers have the option to provide life insurance benefits to their employees. If you are considering offering this voluntary benefit, you will need to decide on the eligible recipients, the specific type of life insurance coverage to provide, and the appropriate and cost-effective amount of life insurance. Basic Life + AD&D 100% Employer Paid! You can't put a price tag on your life, but you can protect your loved ones with life insurance in the event of a premature loss. Basic Life benefit: 1x your earnings to a max of $100,000 10
Accidental Death and Apart from group-term Disablement life insurance, there are Widely recognized in the field as "AD&D," additional insurance this insurance provides compensation to options that you can the designated beneficiary of the employee present, such as: in the event of accidental death or loss of certain bodily functions (such as the loss of one arm and leg, which may lead to the payment of a portion of the total benefits). Split-dollar life insurance This type of insurance provides a payout to the designated beneficiary of the employee in the event of the employee's death, and it also refunds the premiums paid by the employer. Business travel accident insurance This insurance is limited to a specific event - the death of an employee during a business trip. If your employees do not travel frequently or at all, this policy may not be a wise investment. 3 11
7. Spouses and Children Insurance It is typically required for an employee's Review the evidence of coverage (EOC) legal spouse and dependent children to be booklet provided by your insurer (or consult provided with coverage. According to the your agent or broker if applicable) in order Patient Protection and Affordable Care Act, to understand the definitions clearly. group insurance plans must offer coverage Employers have the option to offer health to adult dependents up to the age of 26. benefits to unmarried domestic partners of Employers have the option to broaden the their employees. definition of child dependent to encompass children above the age of 26, with age limits differing depending on the plan. NOTE Life insurance coverage can be obtained up to the GI amount without requiring an EOI form during an employee's initial eligibility period. 124
Benefit Guarantee Issue Increment of $10.000 up to 5X your Employee $100,000 earnings:$500.000 Max Increment of $50.000 up to 50% of Family $50,000 employee's amount Child $10,000 $10,000 13
Diseases and injuries can occur unexpectedly, catching us off guard. 8. Ensure that you have the necessary financial preparations in place to maintain stability during a medical situation by Disability obtaining disability insurance. Insurance See More Disability insurance offers additional financial support if an illness or injury leads to a disability that hinders the policyholder from performing their usual job. Monthly benefits are typically provided to help the policyholder sustain their current lifestyle and cover ongoing costs. Short-Term Disability policies Establish a waiting period ranging from 0 to 14 days, with a maximum benefit period not exceeding two years. Long-Term Disability policies Allow for a waiting period spanning from a few weeks to several months, while the maximum benefit period can extend from a few years to a lifetime. 14
9. Retirement Plans Planning for retirement involves a series of steps that develop gradually as time goes on. In order to enjoy a relaxing, stable, and enjoyable retirement, it is essential to establish a financial safety net that will cover all expenses. A 401(K) Retirement Savings Plan A 401(k) plan is a retirement account provided by employers as a benefit to their employees. This account enables you to allocate a portion of your pre-tax salary to investments that are tax-deferred, thereby lowering the taxable income for the year. Roth IRAs Contributions to a Roth IRA are made using after-tax dollars, unlike a traditional IRA. However, any earnings within the Roth account are not subject to further taxation. Roth 401(k) The Roth 401(k) is a hybrid of the Roth IRA and a 401(k) that is offered by employers and is a relatively recent addition. Similar to a Roth IRA, contributions are made from your after-tax income rather than your pre-tax earnings. If you stay in the plan for a minimum of five years, contributions and earnings in a Roth are not subject to further taxation. SIMPLE IRA The SIMPLE IRA is a retirement plan available to small businesses with up to 100 employees, functioning similarly to a 401(k SEP IRA A Simplified Employee Pension (SEP) IRA enables self-employed individuals without employees to set aside a portion of their income for retirement in their own account. These contributions are fully deductible from taxable income. 15
10. Additional Benefits Gym memberships Employees who have good benefits as gym memberships are often healthier and happier. They’re more engaged at work, and they’re more productive. They take fewer sick days, and they’ll often report they have a higher quality of life. 164
Tuition reimbursement Student loan repayment By providing tuition reimbursement or student loan repayment, you can enhance employee loyalty and retention rates, as you support their professional development and skill enhancement. Premiums To access exclusive benefits plans, please click here: www.company.com 17
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We’re more than just a job. Benefits for your staff and their family members!