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Build Success With Your Employee Benefits Program

August 15, 2018

Find a worthy employee benefits program.


You constantly think about cash flow, the marketing budget, and growth. Such is the life of a business owner. Not to heap one more item on your plate, but have you reviewed your employee benefits program lately?

Your employee benefits program could determine if an interview leads to a hire, and your top performers might find new jobs if your benefits aren't competitive.

By sponsoring and expanding the coverages offered by your business, you boost morale and show your staff how much you care. You'll make great strides by adding Group Life, Accidental Death & Dismemberment, and Short-Term Disability to your employee benefits program.

Group Life
According to LIMRA, 108 million Americans are covered by workplace Life Insurance, and that number will likely continue to grow. Don't put yourself at a hiring and retention disadvantage by ignoring this trend. Many of your employees work to support their families. With workplace Life Insurance, a beneficiary receives a payment when a covered employee dies.

Your staff members probably don't want to think about passing away, but Life Insurance helps give them extra peace of mind because it provides financial support to their loved ones during a very difficult time.

Accidental Death & Dismemberment (AD&D)
AD&D pays a benefit if an accident kills or seriously injures an insured employee.

The injury payout is limited to cases that include any of the following:

  • Loss of a limb or finger
  • Loss of hearing, speech, or sight
  • Paralysis or coma

Short-Term Disability
Short-Term Disability replaces a portion of an employee’s income when a non-work injury or illness keeps them away from the job. Short-Term Disability supplements Workers Compensation, which only covers work-related illnesses and injuries.

If you think catastrophic injuries cause all disabilities, think again. Fractures, sprains, and muscle strains are the fifth-leading cause of Short-Term Disability claims, according to Disability Happens. Pregnancies, musculoskeletal disorders, and digestive disorders are more likely to cause an employee to miss work.

When they're covered by Short-Term Disability, your employees will take comfort knowing they have financial protection against the worst circumstances.

Rely on the Experts
Pekin Life Insurance Company offers affordable Group Life, AD&D, and Short-Term Disability for employee benefits programs. In fact, we are so confident in our plan, we insure our own employees under Pekin Life Insurance Company!

We also offer Group Plan Solutions Benefit Administration (GPS), a division of Pekin Life Insurance Company. GPS guides employers through health care reform by offering the following services:

  • Health Plan Administration
  • Dental Plan Administration
  • COBRA Administration
  • Flex Benefit Administration

Make the right moves to retain your best employees and hire ideal candidates. Talk to A1 Insurance and Financial Services LLC about creating a strong employee benefits program for your business.

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