Employee Benefits
Health Plans
Everyone has different insurance needs. We have access to a variety of plans to ensure you have the coverage you need at an affordable cost. These plans are HMO (Health Maintenance Organization) plans, meaning you’ll use a specific network of doctors, hospitals, clinics and specialists for covered services.
HMOs generally have lower monthly premiums and out-of-pocket costs compared to other plan types, like PPOs. Your PCP coordinates all your care, which can lead to more organized and comprehensive treatment. Since they are prepaid plans, HMOs are incentivized to keep you healthy and minimize long-term costs through preventative care.
Dental Plans
Unexpected dental expenses can lead to employee stress and distractions at work. Take your dental benefits to the next level with our group dental insurance solutions. Gain access to a powerful network and deep discounts, so your employees feel protected, enjoy better overall health, and stay productive.
Vision Plans
With a focus on overall well-being, employees now feel that employers are responsible for their health and well-being, drawing attention to vision exams and the role they play in early disease detection.
Our group vision insurance focuses on employees. Large provider networks, low out-of-pocket costs, and a streamlined benefits experience align to bring employees what they’re looking for in a vision care plan. We currently have 4 vision plans to meet the unique needs of your employees.
Group Life Insurance
Being underinsured can lead to financial challenges for an employee's family. We offer a broad range of group life insurance products, plus an unmatched suite of additional services. It’s a comprehensive and customizable approach to coverage so you can offer the coverage that best fits your employees’ needs while balancing your own costs.
Core products are Whole Life, Term Life, and AD&D. We also offer additional coverage for spouses, domestic partners, and eligible children, creating even more value for your benefit program with no additional cost to employers. Voluntary Retiree Life is specifically for new retirees, providing coverage to meet their changing needs and driving employee loyalty at no cost to employers.
Group Disability Insurance
Short-Term Disability insurance offers replacement income if pregnant, injured, suffering from depression, or diagnosed with an illness. If you’re suddenly unable to earn a paycheck, short term disability insurance through your employer can replace a portion of your income during the initial weeks of your disability.
Long term disability insurance through your employer can provide a steady stream of income to help cover essential expenses during an extended illness or after a disabling accident.
Accident, Critical Illness, and Hospital Indemnity Plans
Accident Plans help employees fill the gaps in medical coverage that can result in unexpected expenses and financial stress.
Critical Illness plans can help alleviate the financial burden that an unexpected illness can bring, so you can focus on your recovery instead of on your bills. If you’ve been diagnosed with a critical illness or condition, worrying about your finances during recovery can be overwhelming.
Hospital Indemnity plans provide a lump-sum payment to use however needed. Even with medical insurance, a hospital stay can be costly. Plan deductibles, copays, and out-of-network costs can add up fast, not to mention costs outside of medical needs, like your mortgage, childcare expenses, transportation and more.
Employer Benefits
Property damage, spoiled food, emergency supplies, lost income and lost wages due to Interrupted Utilities can cost business owners thousands of dollars. Moreover, most insurance policies exclude protection for power outages. Centinel's protection for Interrupted Utilities can send you a hassle-free payment if you experience a covered loss.
Key Person Insurance
Key person insurance protects a business from financial loss if an essential employee dies or becomes disabled. The company owns the policy, pays the premiums, and is the beneficiary, using the payout to cover expenses and secure a replacement or continue operations until recovery.