Fidelity Amerisurance Insurance
Services can help you achieve the right benefit coverage
for your company, effectively manage costs and optimize the
overall performance of your plan. Our programs include medical
and dental insurance, term life and disability insurance,
Long-Term Care insurance, cafeteria plan, and other employee
benefits.
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We realize the importance of creating a
customized Employee Benefits program crafted to satisfy your
goals and objectives. Besides finding the cost-effective
solutions for your organization we also educate your employees
on claims management and proper enrollment, develop
recommendations for executives and key employees.
Medical Insurance. There are many
excellent group medical insurance programs available, including
HMO and PPO plans. We can also offer programs, which allow
employers to give their employees a choice of several insurance
carriers under same program.
Basic Life Insurance. Basic life
insurance is important part of a benefit plan. It is provided in
flat amounts or as multiples of annual earnings (one to five
times salary).
Optional Life Insurance. Employees
are able to choose an amount of additional coverage up to
certain maximums. A medical questionnaire may require completion
by the employee.
Dependent Life Insurance. An
optional benefit, which offers coverage for costs associated
with the loss of employee's spouse and children.
Accidental Death & Dismemberment.
This benefit provides financial assistance in the event of an
accident causing death or dismemberment. It is often equal to
the amount of life insurance coverage.
Short Term Disability Insurance. In
the event of an accident or sickness, Short Term Disability
benefit provides a weekly payment after a certain number of days
based on a set percentage of the employee's salary. The benefit
period usually ranges from 15 to 26 weeks and should be
coordinated with the Long Term Disability benefit.
Long Term Disability Insurance. In
situations when an employee is off work for an extended period
of time due to accident or sickness, Long Term Disability
provides a monthly payment based on a set percentage of the
employee's salary. Coverage begins after the employee satisfies
a waiting period, usually four months, and the benefit period
ends when the employee turns 65, unless otherwise stated.
