Understanding your goals

Before LL Benefits provides cost control remedies, we develop long-term goals through strategic planning meetings and historical data analysis. This due diligence ensures that we design the best plan possible for you and your employees—a plan which fulfills your benefit goals. Once the plan is implemented, we maximize the efficiency of your benefits package with year-round support.

Voluntary Plans

Employees who look to you as a resource for their health insurance also turn to you for help with their personal financial affairs. Providing these employees with voluntary insurance is a solution which is advantageous to you as well. LL Benefits can help reduce your direct insurance costs by supplementing your group plans with voluntary plans while keeping your benefits package competitive for your industry.

So where does your responsibility to your employees end? Help them help themselves (with minimal administrative cost) by offering voluntary insurance plans key to protecting against the four major financial risks encountered during their working years.

Life: group and individual term or permanent

While term life insurance is a cost-effective coverage option for today, many people find that a combination of both term and whole life coverage helps provide the protection and accumulation they need at a price they can afford.

Term Life insurance

Provides affordable coverage with the flexibility to meet your long-term protection needs.

Whole Life insurance

Offers a guaranteed death benefit, guaranteed premiums, and guaranteed cash value. The guaranteed cash value does not fluctuate because of events in the financial markets. It also offers the potential to earn dividends which are not guaranteed.

Long-Term Care

Covers extended care services in a facility such as a nursing home, assisted living center, adult day care, hospice, or at home. If a covered individual is unable to perform two of the six Activities of Daily Living, a daily benefit is paid after a waiting period has been met. Most plans offer two-year, three-year, four-year, five-year, and lifetime benefit periods.

Critical illness

Paired with a group health plan to cover treatment and recovery expenses.

Critical Illness coverage pays a lump sum benefit directly to the insured person upon the first diagnosis of a covered condition. Coverages can vary from $10,000 to $500,000 per person.

Accident

Accident insurance provides benefits for medical expenses due to a covered accident. Benefits are paid in addition to any health insurance coverage. Most plans cover hospital confinement, emergency room benefits, ambulance benefits, and certain scheduled medical expenses.

Cancer

Cancer coverage provides cash benefits for qualified cancer treatments. Although health insurance will pay the medical expenses associated with fighting cancer, a cancer plan will help with the non-medical expenses including loss of income, out-of- town treatment, special diets, routine living costs, and household upkeep. In addition to the non-medical expenses, most health plans have deductibles and other cost-sharing arrangements.

Heart Attack & Stroke

While this policy is in force, heart attack and stroke coverage pays a lump sum benefit directly to the insured person upon the first diagnosis of a heart attack or stroke.