Employee Benefits
Seaman’s Insurance Group, St Augustine Florida’s Premier Boutique Independent Insurance Agency is proud to offer Employee Benefits that will help your business attract and keep the best talent for your organization.
Seaman’s Insurance Group offers a wide array of Employee Benefits including but not limited to, Critical Illness, Cancer Insurance, Group Disability, Group Retiree Health Insurance, Group Life & Accident, Supplemental Health, Dental Insurance and Vision Insurance.
We have options that only require a minimum of 3 employees and are built to handle the largest workforce.
Critical Illness Insurance
Critical Illness insurance one of many Employee Benefits from one of our carriers pays a lump-sum cash benefit when the insured or an eligible family member is diagnosed with a covered critical illness.
Wellness Benefit
Pays a yearly benefit when one of 19 screening exams is performed.
Key Features
- Coverage available for the insured or the entire family
- Benefits are paid directly to the insured unless assigned to someone else
- Premiums are affordable
Cancer Insurance
Seaman’s Insurance Group, Florida’s Premier Boutique Independent Insurance Agency offers a wide range of competitive Employee Benefits coverages and options that can help you provide benefits that your employees want and need most. As an independent agency we pride ourselves on being able to offer you and your employees the best employee benefits in the marketplace. We can shop the best of the best to ensure we find the best match for your needs. Among the companies we represent are The Hartford, AFLAC, Allstate and more!
Receiving a cancer diagnosis can be one of life’s most frightening events.
Cancer Insurance from Seaman’s Insurance Group carrier partners pays cash benefits for cancer and other specified diseases to help with the costs associated with treatments and expenses as they happen. Our Cancer coverage can help provide added financial support when it is needed most. Cancer coverage can help offer peace of mind when a diagnosis of cancer or a specified disease occurs. The benefit can help pay for hospitalization, surgery, radiation/chemotherapy and more. Terms and conditions for each benefit will vary.
Cancer Screening Benefit
Pays a yearly benefit for one of many cancer-related screenings.
Wellness Benefit
An Employee Benefits option pays yearly benefit for one of many health care-related preventive procedures
Key Features
- Benefits are paid directly to the insured unless otherwise assigned
- Coverage available for the insured or the entire family
- Waiver of premium after 90 days of disability due to cancer for as long as the disability lasts (Primary Insured only)
- Additional benefits may be added to the coverage, as chosen by the employer
Group Disability
Seaman’s Insurance Group, Florida’s Premier Boutique Independent Insurance Agency offers a wide range of competitive Employee Benefits coverages and options that can help you provide Group Disability benefits that your employees want and need most. As an independent agency we pride ourselves on being able to offer you and your employees the best employee benefits in the marketplace. We can shop the best of the best to ensure we find the best match for your needs. Among the companies we represent are The Hartford, AFLAC, Allstate and more!
A disability can be expensive
Disability insurance Employee Benefits from many of the carriers offered through Seaman’s Insurance Group pays a cash benefit to help protect an eligible individual’s finances from a covered sickness or off-the-job injury. Insureds who experience a total disability, partial disability, even a disability from donating an organ can get the help they need to alleviate daily living expenses.
Key Features
- Affordable premiums
- Customized benefit levels that meet the needs of any income
- Coverage may be portable as long as premium payments continue
Income Protection, Better Business Outcomes
With Employee Benefits businesses can help employees protect their incomes and rebuild their lives after an unexpected event with Group Disability Insurance products from Seaman’s Insurance Group. Our products include a broad variety of absence management and claims support services designed to streamline administration, ease the claims process, and get employees back to work as soon as is reasonably possible.
Short-Term Disability
Employee Benefits offered includes an option that helps when employees are unable to work because of a disabling injury or illness, Short-Term Disability Insurance helps by replacing part of their income.
Long-Term Disability: Continuing Protection
Other Employee Benefits Like Short-Term Disability, our Long-Term Disability Insurance products are designed to emphasize ability, not limitations. They address an employee’s need for a secure income with a business’ need for the best possible work outcome.
Group Retiree Health Insurance
Seaman’s Insurance Group, Florida’s Premier Boutique Independent Insurance Agency offers a wide range of competitive coverages and options as part of its Employee Benefits offerings that can help you provide Group Disability benefits that your employees want and need most. As an independent agency we pride ourselves on being able to offer you and your employees the best employee benefits in the marketplace. We can shop the best of the best to ensure we find the best match for your needs. Among the companies we represent are The Hartford, AFLAC, Allstate and more!
Reduce Your Risk, Not Their Coverage
Baby boomers are retiring at record levels, companies that offer retiree health insurance are at greater risk, especially those that self-fund their plan. Seaman’s Insurance Group can help. We offer flexible group retiree health insurance solutions that shift the risk away from employers while providing flexible solutions to meet the unique needs of their retirees.
Retiree Health Coverage
In today’s economy, medical cost is putting great pressure on retirees and the medical plans they rely on. The retirement population is expanding. Fortunately, we can offer Employee Benefits such as a Group Retiree Insurance Plan is a solution that can work for employers and their retirees.
Be Good to Your Retirees and Your Budget
Our Group Retiree Insurance Plan helps employers accomplish three key goals:
- Fulfill an important obligation to retirees.
- Integrate with Medicare
- Takes retirees out of the active employee medical plan this can improve the efficiency of the employee plan.
We’ll Help Integrate Your Plan With Medicare
Here are some other benefits employers can expect:
- Support multiple group sizes, from as few as two to thousands and can customize plans for groups of 100 or more.
- Retirees, their spouses, widow(er)s, and domestic partners age 65+ who are entitled to Medicare are all eligible and coverage is guaranteed (subject to any applicable pre-existing condition limitation).
- Can help employers better control overall costs by segmenting age 65+ retirees into our voluntary and non-contributory plans.
- Rx Prescription Drug Plans can be accessed through separate providers with the ability to combine billing with medical.
- Employers can choose from a variety of prescription drug plan options to best suit the needs of their retirees.
- Retirees have access to any provider or hospital nationwide – at home or away. (There are no medical networks to worry about.)
- Integrates with Medicare Parts A and B. Medicare pays first; our group plan pays second.
- Optional Enhancements
We Support a Wide Demographic of Eligible Enrollees
We extend our coverage to one of the broadest demographics in the insurance industry. These are some of the many groups that we cover:
- Retirees plus their spouses, widow(er)s, and domestic partners who are 65+ and entitled to Medicare
- Corporations
- Partnerships
- Individual employers
- Labor unions
- Religious organizations
- Multiple Employer Trusts (MET)
- Most government agencies or departments
Customized plans are available for groups of 100 or more.
Group Life & Accident
Seaman’s Insurance Group, Florida’s Premier Boutique Independent Insurance Agency offers a wide range of competitive coverages and options that can help you provide Employee Benefits that your employees want and need most. As an independent agency we pride ourselves on being able to offer you and your employees the best employee benefits in the marketplace. We can shop the best of the best to ensure we find the best match for your needs. Among the companies we represent are The Hartford, AFLAC, Allstate and more!
Protect Your Greatest Resource: Your Employees
Helping to protect employees against worst-case scenarios is the caring and responsible thing to do. Seaman’s Insurance Group can help meet the needs of all types of businesses and their employees with dependent group life programs and accidental death and dismemberment insurance.
Group Life Insurance
Seaman’s Insurance Group offers industry-leading group life insurance product amongst our Employee Benefits offerings which include the following features:
- Enhanced Continuity of Coverage Clause that prevents employees from being stranded without coverage on our policy transfer date – even if they’re not actively at work on that day.
- Living Benefit Option that accelerates the benefits of terminally ill employees or dependents up to $500,000.
- No Interruption in Premium Waiver Elimination Period for employees who attempt to return to work for up to five days.
- Portability Option and Conversion is offered with our life insurance product. Employees who leave their company, or are under other qualifying conditions, can take all or a portion of their coverage with them.
- A variety of programs that give employees access to online tools and services that can help guide them through major life decisions, such as creating a will and funeral planning.
Accidental Death & Dismemberment Insurance (AD&D)
Accidents don’t just happen to employees in dangerous jobs; they can happen to anyone. So it makes sense to offer employees protection with Accidental Death & Dismemberment as an Employee Benefit. These are just some of the features that can be included in coverage:
- Protection for children, spouses and employees against losses from unforeseen covered accidents.
- Twenty-four-hour accident coverage that can be combined with your Group Life offering or purchased as a stand-alone product.
- A valuable package of riders offering important additional coverages.
- An array of optional benefits that allow for a customized experience.
Group Accident Lines
Seaman’s Insurance Group offers different types of employee accident insurance coverage from employees on business trips to students on field trips in our Employee Benefits offerings.
- Business travel accident insurance that can help cover employees traveling for business only, or for business and pleasure. Our plans have no mileage limits or travel duration restrictions. Travel options include in town, out of town, out of state, and international travel.
- We also offer blanket accident insurance for specialty groups such as campers, private and public school students, church groups, and more. Coverage includes Accidental Death and Dismemberment, Accidental Medical Expenses and other benefits ranging from emergency room expenses to coverage for paralysis and or comas.
Care, Compassion, Service
Value-added employee services help make difficult times a little bit easier for them. Some of the services featured include:
- Funeral Planning & Concierge Services
- Will Preparation Services
- Beneficiary Counseling Services
- Travel Assistance & ID Theft Protection services
Supplemental Health (Hospital Indemnity)
Seaman’s Insurance Group, Florida’s Premier Boutique Independent Insurance Agency offers a wide range of competitive Employee Benefits coverages and options that can help you provide benefits that your employees want and need most. As an independent agency we pride ourselves on being able to offer you and your employees the best employee benefits in the marketplace. We can shop the best of the best to ensure we find the best match for your needs. Among the companies we represent are The Hartford, AFLAC, Allstate and more!
Has the medical insurance deductible been met yet? We can help provide a financial safety net.
Supplemental Health (Hospital Indemnity) insurance from Seaman’s Insurance Group’s carrier partners can help provide a financial safety net, with cash benefits that help fill gaps left by major medical coverage associated with a hospital stay because of injury or illness. Benefits can be used for out-of-pocket expenses such as copays, deductibles and treatment.
Hospital Indemnity Insurance Features
- Includes benefits for hospital confinement and hospital intensive care
- Coverage available for spouse and child(ren)
- Benefits paid regardless of any other coverage
- Benefits paid directly to the insured unless assigned elsewhere
Vision Insurance and Dental Insurance
Do you need vision insurance? Speak to an agent today to consider a variety of plans with copays, allowances, and discounts. Request a free quote today.
Get quotes on dental insurance to protect your oral health. Whether you need coverage for cleanings, fillings, or major dental work, contact us today to discuss dental insurance options that meet your needs.
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