A truly balanced benefits plan should include Disability, Life and Accidental Death and Dismemberment, and Dental insurance. At The Standard, we believe that every business should be able to provide these basic protections for their employees without breaking the bank. That's why we're introducing our Core Benefits Solution as a solution to the challenge of providing basic employee benefits.
Disabilities don't just happen to other people. Even the smallest employers can design STD and LTD plans1, in addition to New York Disability Benefits Law (DBL) plans, that address their budget concerns while providing basic coverage to their employees. These plans can help to protect employees and their families from financial hardship in the event of a covered disability – and helping to rehabilitate the employees and return them to a productive role as soon as possible.
Life and AD&D insurance are at the core of a well-rounded benefits plan. The challenge for small employers is to select benefit amounts and plan features that balance the needs of their employees with the cost of providing coverage. Because we offer a wide variety of features and options, including the opportunity to layer a contributory plan on top of an employer-paid basic plan, we can provide a balanced plan that's best for everyone.
The Standard's Dental insurance policies2 include features that can help both employees and employers minimize their dental coverage costs. We offer comprehensive dental plan designs that are fully or partially employer-paid and that vary in the deductible and the benefit waiting period.
Employers can also benefit from lowered costs thanks to our dental consultants, who evaluate the necessity of dental procedures and their appropriate costs. And an advanced claims system verifies employees' eligibility for benefits so that employees receive benefits only for procedures for which they qualify.
To learn more about the Core Benefits Solution, contact the Employee Benefits Sales and Service Office for your area at 800.633.8575.
The products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. Please contact The Standard for additional information, including costs and complete details of coverage.
1 This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance department.
2 This policy provides DENTAL insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance department.
GPNY0500-LTD, GPNY0500-STD, GPNY0500-LIFE, GPNY0500-DENT