CUSTOM EMPLOYEE BENEFITS
Custom Group Benefits Plan
Custom Employee Benefits Plan
Ideal for companies that want to offer unique benefits that show their employees they care.
Plan Highlights
- Pick and choose your benefits and build your own plan based on your compensation philosophy, business objectives, budget, and employee groups (executives, management, hourly staff, seasonal employees, etc).
- Use the flexibility to reward employees, increase retention, control costs, and many other business benefits. It’s up to you.
- No need to reinvent the wheel; we can copy elements of your existing plan that you like and remove the elements that you don’t. (e.g. you don’t have to include Life Insurance, LTD, Massage, etc.)
- Create an Executive Class and add Executive Benefits to your conventional plan.
Coverage Amount
- Coverage limits and percentage paid (e.g. 80%) are customized and set by employer.
Administration Fees
- 10-20% of contributions
- No setup fees, annual fees, per-claim fees, or fees for booklets.
What’s Covered?
Fully customize your plan. Pick and choose from the benefits below.
Optional Catastrophic Coverage
Optional catastrophic coverage can include the following:
- Travel insurance
- Life insurance
- Accidental death and dismemberment
- Critical illness
- Long-term disability
- Catastrophic drug coverage up to $1 million over a lifetime
Online/Smartphone App Claim Submission?
Benefits Card?
Pay Direct Drug Card?
Yes
Interested in a custom group benefits plan?
Talk to your advisor, call us for a 10-minute chat, or submit a callback form.
Explore Custom Plan Options Below
Catastrophic Benefits
Group Life Insurance
Provide financial assistance to the beneficiary in case of an employee’s death. Can be a flat amount or percentage of earnings.
Accidental Death and Dismemberment
In the case of accidental death, provides financial assistance to a beneficiary. In the case of dismemberment, a percentage of the full benefit will be paid to an employee.
Long-Term Disability
Provide income replacement when employees are disabled and unable to work for an extended period of time due to injury or illness.
Critical Illness
Provide employees and their families with support as they cope with difficult medical situations.
If the employee is diagnosed with a critical illness covered by the plan such as life-threatening cancer, stroke, or a heart attack, and survives a certain period after diagnosis, a lump sum payment is made to the employee.
Excess Medical Stop Loss Insurance
Special Risk Insurance Coverage
If you have a requirement for special risk coverage, we will create a solution for you. Examples include travel to high-risk destinations and unique industry risks not typically covered by traditional carriers.
Routine Benefits
Routine Dental
Major Dental
Major dental coverage typically includes complex procedures like crowns, dentures, bridges, and root canals.
Orthodontia
Orthodontic coverage typically includes ortho-exams, x-rays, diagnostic radiographs and casts, braces, and retainers.
Prescription Drugs
Reimburse prescriptions at point of sale with a pay-direct drug card. Mitigate your risk using plan maximums, adding a formulary, dispensing fee maximums, and deductibles. Include everything from typical blood pressure medication to medical cannabis reimbursement.
Paramedical
Healthcare Spending Account
A pre-determined amount of money is provided to employees each benefit year for coverage of their medical and dental expenses. Eligible expenses are paid at 100% up to the total dollar amount available in the account. Can be used in conjunction with a benefits plan.
Vision Care
Medical Aid and Appliances
Hospital Care
Nursing Care
Survivor Benefits
Short-Term Disability
Income replacement for employees when they are disabled and unable to work for a short period of time (generally less than 17 weeks) due to injury or illness. Additional disability services also available.
Medical and Other Services
Out of Country Coverage and Supplementary Travel Assistance
Virtual Health
HR Resources
Clients of The Benefits Trust enjoy free access to a comprehensive HR toolkit with over 300 forms and templates designed by HR experts.
Medical Second Opinion
Get a second opinion from the world’s most respected doctors without leaving your home. Your employee’s case is matched to an appropriate medical expert who review their diagnosis and treatment plan in great detail.
Employee Assistance (EAP)
Resources are available to help navigate various issues including money, wellness, work-life balance, etc.
Employee Wellness
Digital health and wellness solutions to help employees become healthier through confidential, personalized online health assessments, health challenges, and digital coaching.
Concierge Healthcare
Comprehensive Executive Medical
Executive Benefits Plan
Identity Theft and Legal Protection
Future Services
We Do Small Business Benefits Plans a Little Differently
Most Traditional Employee Benefits Plans Look the Same
Cost
Service
Delivering more value means more than offering comprehensive employee benefits. It means creating a partnership with your provider that’s based on dedicated representative customer service. It means flexibility in the solutions we offer and responding to your inquiries immediately.
Plan Design
Support
Watch and Learn How
The Benefits Trust Creates a Custom Group Benefits Plan to Meet Your Company’s Needs
- You pay for the insurance you want
- You only pay for the claims you have
- Administrative costs are fixed and transparent
Have An Inquiry About Our Plans?
Call us at 1-800-487-2993
Email us at [email protected]
Regular Hours of Operation:
Monday – Friday 8:30am – 5:00pm