Supplemental Benefits

Have you seen the commercials with Aflac and Colonial. These are considered supplemental benefits.
There are several positive aspects of these programs:
As the employer you are not required to make a contribution
The carriers provide your section 125 pre-taxing program at no cost to you
They provide additional coverages outside the scoop of the medical program

Accident Insurance
Accident Insurance provides lump-sum indemnity benefits for accidents. Employees can choose coverage for on-and off-the-job or off-the-job-only accidents. Employees have a choice of family coverage or stand-alone coverage for themselves, their spouse or dependent children. Features include the same benefits for employee, spouse and dependent children, worldwide coverage and portability. An advantage of the disability income rider is that it can cover a spouse who may not have disability coverage through an employer.

Cancer Insurance
Cancer Insurance pays lump-sum benefits that can help employees pay out-of-pocket expenses resulting from cancer treatment. Just as importantly, this product also pays an annual cancer-screening tests/wellness benefit to encourage employees to have regular screenings, improving their chance of survival if they do develop cancer. And you can select from several levels and plan options to help meet the needs of a diverse employee base.

Critical Illness
Round out your employees’ benefits package with individual Critical Illness Insurance plans that complement major medical coverage by helping employees pay the direct and indirect costs associated with a specified critical illness. An annual health screening benefit is also available with this product.

Disability Insurance
Employees depend on their income to pay for housing, food, clothing, and their children’s education – all the necessities of life. For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs.

Hospital Confinement Indemnity Coverage
Insurance costs are rising your premiums are rising and unfortunately, when it comes to their health insurance, you now must offer your employees options that usually provide less value for the money. And if you have or are considering a Health Savings Account (HSA), 1st Alliance has access to the plans that are HSA-compliant which can help you and your employees stretch benefit dollars, at no direct cost to you.

Life Insurance
Your employees count on you for most of their benefits – including life insurance. 1st Alliance offers an easy answer for you and your employees to help fill the life insurance gap, offers a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes.