| tart --> | | | | and benefit periods. |
| Group health insurance rates have been increasing | | | | 2. Life Insurance - Supplemental life insurance includes |
| year after year and employers have been forced to | | | | a variety of permanent plans as well as term life |
| make some drastic changes in their employee benefit | | | | insurance. There are non-medical life policies available |
| programs. Many employers have changed their health | | | | for larger groups when a certain amount of |
| insurance to high deductible plans. Dental Insurance has | | | | employees participate in the plan. |
| been discontinued by some companies as well as | | | | 3. Dental Insurance - This is one of the more popular |
| vision care. Disability programs have been trimmed | | | | supplemental health products because it usually the |
| down as well as group life insurance. This has created | | | | first discontinued by the employer. |
| gaps in coverage and employees have had to look for | | | | 4. Cancer Insurance - The cancer policy is a single |
| alternatives for coverage that has been omitted or | | | | need policy with relatively low premiums. |
| decreased in their benefit package. The answer to this | | | | 5. Accident Insurance - The accident policy covers |
| problem has come in the form of supplemental health | | | | accidental injury and death. There are accident |
| insurance. Supplemental health insurance companies | | | | disability riders on some accident policies. |
| will enroll employees with these products and the | | | | 6. Hospital Income - The hospital income policy pays a |
| premiums are paid through payroll deduction. | | | | daily dollar rate to the insured while hospitalized. These |
| Supplemental health Insurance Products | | | | policies can pay as low as $10 per day and as high as |
| 1. Disability Insurance - Supplemental disability insurance | | | | $200 for each day hospitalized. |
| is sold to employees to fill in gaps or replace lost | | | | The need for supplemental insurance is stronger than |
| benefits. Long term and short term disability insurance | | | | ever before. |
| can be purchased with a variety of waiting periods | | | | |