Group Benefits

GROUP BENEFITS

Group benefits can help employers attract and retain qualified employees, and keep them motivated, productive, and healthy.  The Hildreth Agency represents several top-notch insurance carriers for Group Health, Life, Long-Term Care, and Long-Term Disability insurance.  We will work with you to provide benefits that fit your needs and the needs of your employees.  The most commonly requested plans are listed below and can be purchased separately or in various combinations.  To find out more about each plan or to request a quote, please contact our office.

Group Health
Your employees' well-being directly impacts the day-to-day operation of your business.  Providing group health insurance will help maintain a healthy, productive workforce.  Our agency has access to the top health insurance carriers in the country and we will work with you to find the medical, dental, and/or vision plan that best fits your needs and budget.  We can also show you how setting up a tax-favored health plan like a Health Reimbursement Arrangement (HRA), Flexible Spending Account (FSA), or Health Savings Account (HSA) could help you and your employees save money.

Contact us to request a quote.  For groups with less than 50 employees, each employee will need to fill out a questionnaire.

Carriers We Represent:  Blue Cross Blue Shield of TN, Cariten/Humana, Cigna,  and UnitedHealthcare

Group Life
Group life insurance is a type of life insurance in which a single contract covers an entire group of people.  Typically, the cost of group coverage is far less than what the employees would pay for a similar amount of individual protection.  The most common form of group life insurance offered is term insurance.  When group term insurance is provided, the employer will pay for most, if not all, of the premium.  The amount of coverage is usually equal to one or two times the employee's annual salary.

Contact us to request a quote.

Carriers We Represent:  AIG, Guardian, Hartford, MetLife, Mutual of Omaha, and Standard

Group Long-Term Care
Extending coverage beyond basic medical and nursing care, long-term care insurance helps pay for the additional assistance a chronically ill or disabled person needs.  This includes such things as extended nursing home care, in-home care, assistance with daily living activities and more.  Depending on how your plan is structured, there may be tax benefits to both the employer and employees.

Contact us to request a quote.

Carriers We Represent:  MetLife and Unum

Group Long-Term Disability
One in five Americans between the ages of 35 and 65 will experience a disability lasting three or more months.  Nearly two-thirds of these individuals will not be eligible for coverage by workers' compensation.  Long-term disability insurance provides monthly benefits if an employee becomes ill or injured and is unable to work.  This income replacement is designed to restore part of the work earning lost during a period of disability.  Depending on the plan you chose, payments can begin anywhere from 30 to 365 days after the disability occurs.  Generally, diagnosable illnesses are covered until the employee recovers, or reaches the age of 65.

Contact us to request a quote.

Ask us about our Benefits Review Service

Our dedicated and knowledgeable staff can assess your group’s insurance benefits portfolio, including but not limited to: