Supplemental Employee Benefits

Supplemental employee insurance can be a great option for employees who want or need expanded coverage in a particular area, such as TDI and Life Insurance.

These benefits can be offered at no expense to the employer and conveniently deducted from the employee’s pay.

Employer Services

Provided at No Cost:

  • Section 125 Plans
  • Benefit Statements
  • Professional Enrollment Services
  • ColonialConnect for Plan Administrators
  • EZ Billing
  • CCH HR Website

100% Employee-Paid and Voluntary Accident Insurance

Available for employees, spouses, and children, this coverage helps offset unexpected medical expenses, such as emergency room fees, deductibles, and co-payments, that can result from an accidental injury.

Short Term Disability Insurance

Available for employees, this coverage helps replace a portion of your income if you are unable to work due to a covered illness or off-the-job injury.  This coverage is separate from any benefits provided under Rhode Island’s Temporary Disability Insurance (TDI) program.

Life Insurance – Term and Permanent

Available for employees, spouses, and children, life insurance enables you to tailor coverage to your individual needs and helps provide financial security for your family.  Permanent and term life insurance programs are available to help your family deal with day-to-day living expenses if the unexpected happens.

Cancer Insurance

Available for employees, spouses, and children, cancer insurance helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that many medical plans don’t cover. This coverage also provides a benefit for specified cancer screening tests.

Critical Illness Insurance

Available for the employee and spouse, critical illness insurance complements major medical coverage by helping to pay the direct and indirect costs associated with a specified critical illness (heart attack, stroke, major organ transplant, end-stage renal failure, coronary artery bypass surgery).  Optional coverage for cancer/carcinoma in situ is also available.   This coverage also provides a benefit for specified health screening tests.

Hospital Confinement (“Medical Bridge”) Insurance

Available for employees, spouses, and children, hospital confinement insurance helps to supplement your existing medical coverage so that you are better prepared to pay the medical and non-medical expenses associated with a hospital stay or outpatient surgery.

We have the knowledge and experience you need to help provide your employees with desirable benefits at no cost to your business, so please give us a call today at 844-848-1902 or send an e-mail request for more information about supplemental employee benefits in Rhode Island, Massachusetts, and Connecticut.