Life, Health & Disability Insurance Services
First Choice Benefits is proud to partner with you on making insurance decisions by implementing the products needed to meet your benefit objectives and requirements. We offer a wide range of benefits for groups and individuals. These services include:
Group & Individual Disability Income Insurance
Disability income insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).
Group & Individual Life Insurance
Life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
Group & Individual Accidental Death & Dismemberment
Accidental Death & Dismemberment (AD&D) is an insurance policy that pays benefits to the beneficiary if the cause of death is an accident. This is a limited form of life insurance that is generally less expensive.
Voluntary Employee Benefits
Voluntary employee benefits are insurance products that employees may choose to purchase through their companies at rates that are lower than they could get on their own. A few examples of voluntary benefits are dental, vision, life, disability, supplemental health and cancer insurance. Many employers offer voluntary benefits because they allow companies to provide a more robust benefits package at no cost to them.
Health Care Insurance Options
We offer a variety of health care insurance options that will fit your needs. Whether your business is large or small, or you are an individual looking for private insurance, we can help you find a plan that is right for you.
Long Term Care Insurance Plans
Long term insurance plans help provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.