benefits.
Medical
Healthcare can be costly, making medical insurance an increasingly important consideration for employees—and an increasingly complex issue for businesses. Finding the right plans that will meet everyone’s needs while not breaking the bank can be complicated, but it doesn’t have to be. Clarus & Co. is here to help you work through your options to find the right fit for your group size, location, and industry.
We can provide options for many different types of plans, including:
- Preferred Provider Organization (PPO) Plans (in- and out-of-network medical options)
- Health Maintenance Organization (HMO) Plans (in-network only)
- Point of Service (POS) Plans (employees can select a Primary Care Physician but can also see out-of-network doctors)
- Exclusive Provider Organization (EPO) Plans (expanded in-network only)
- High Deductible Health Plans (HDHP) / Health Savings Accounts (HSA) (deducted from paycheck for medical expenses)
Dental
40 percent of Americans have no form of dental insurance.
Good dental hygiene is important, but 40 percent of Americans have no dental insurance. Oral health can have a huge impact on overall health, so ensure your employees’ pearly whites (and gums) are covered. We can connect you with insurance that covers the basics: preventive cleanings, orthodontia, and restorative services. Or we can explore more aggressive plans if that’s what you need. We understand that all companies have different demographic and financial situations, so we work hard to uncover the best options for you.
Types of plans include:
- Dental Maintenance Organization (DMO) (in-network only)
- Preferred Provider Organization (PPO) / Participating Dental Network (PDN) (lower costs for in-network)
- Dental Indemnity (limited coverage but flexible in primary dental care selection)
Life
85 percent of consumers agree that most people need life insurance, but only 62 percent say they have it.
85 percent of consumers agree that most people need life insurance, but only 62 percent say they have it. Clarus & Co. is here to help you close that gap. By offering life insurance, you’re putting your company ahead of the rest by showing employees you care about their future. Help protect your employees—and improve your overall benefit offerings—by exploring your life insurance options with the Clarus team.
Some of the policies we work with are:
- Term Life Insurance (simple and inexpensive short-term policy)
- Whole Life Insurance (covers your whole life but is slightly more expensive)
- Universal Life Insurance (covers your whole life but is more flexible with the premium)
- Variable Universal Life (VUL) Insurance (allows for policy adjustment and investment for beneficiaries at any time and is lifelong)
Vision
Over 155 million Americans need contacts or eyeglasses, but less than 93 million Americans purchase them regularly.
You can help lessen the financial pain by offering vision insurance to employees who need it. Vision insurance covers preventive eye care, eyewear, and other services. It also promotes regular eye exams, helping doctors identify more serious medical conditions like diabetes, glaucoma, and more.
Over 155 million Americans need some form of vision correction, such as contacts or eyeglasses. Yet, less than 93 million purchase them regularly. Another fact: An estimated 11 million Americans have uncorrected vision problems resulting in more than eight billion dollars in lost productivity each year. Make things easier on your employees and take the guesswork out of eye insurance.
Disability and Long-Term Care Insurance
Did you know that nearly one in four Americans would have financial problems immediately if a disability left them unable to work?
Half would be struggling within a month.* These aren’t very comforting statistics, but having disability and long-term care insurance can make the possibility of something happening less frightening. You can’t prevent accidents and unexpected health issues, but you can help your employees be more prepared for them. Give your employees peace of mind with short-term and long-term disability plans from Clarus & Co.
Short-term disability (STD) insurance provides up to 60% of the income of a policy-holder for 6+ months and cover off-hours injuries (not covered by Workers’ Comp) and pregnancy/childbirth.
Long-term disability insurance, including chronic illness and/or injury, covers up to 67% of your employee’s income until the age of 65 or the employee’s Social Security Normal Retirement Age (SSNRA).
Not sure what you need?
Not sure what you need? Clarus & Co. can help you determine if you should choose short-term disability insurance, long-term disability insurance, or both. No matter what you decide, all of our plans make it easy for you to identify and track claims. Our goal is to make your company’s job easier while improving your employees’ circumstances.
* The Disability Survey conducted by Kelton Research on behalf of Life Happens, April 2012
Executive Benefits
Your executive team works hard to grow your company. Customized executive benefit plans allow you to give back to the leaders who drive your company’s future. Clarus can help you design flexible plans that meet specific needs, bringing lucrative tax benefits and savings to both you and your employees.
We have plans that will keep your company’s executive benefits both fair and competitive. We’ll help you develop integrated wealth and risk management solutions, advising you on the full range of supplemental and deferred compensation plans, benefit restoration strategies and other executive perk programs—allowing you to reward and retain top management.