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GROUP
INSURANCE PLANS
People are your
most important business asset. Your employees and their
families need financial security when they retire, along
with protection against the financial risks of death, disability
and costly dental treatments.
Sentry’s employee benefits plans complement your medical
coverage. Our knowledge of your business enables us to design
a program to fit the needs of your employees and your business.
EMPLOYEE
CLASSIFICATIONS MINIMIZE YOUR COST
The key to a successful benefits program is to provide benefits
for all your employees at a reasonable cost. Sentry can
help you meet this goal by designing a plan with separate
classifications of coverage for each segment of your employee
population. By offering different benefit levels for each
employee classification, your employee benefits costs can
be minimized. Typical employee classifications include:
- Management, supervisory and administrative employees
- Skilled labor employees
- All other employees
FOR YOUR EMPLOYEES
Sentry offers the following employee benefits plans:
Group Term Life Insurance
Sentry's group
term life coverage provides protection for the employee
and his or her dependents in the event of the employee's
death. Benefit amounts are based on classification
or annual earnings. The accidental death and dismemberment
benefit is included. Dependent life insurance is available
as an optional coverage.
Group
Dental Insurance
Dental care is
among the most in-demand benefit employees seek in today's
job market. Sentry's plan includes:
- Benefits for basic and major procedures based on a percentage
of reasonable and customary charges
- Deductible and maximum benefit provisions to help keep
costs down
- Optional coverage for orthodontia
- Optional full coverage for preventive procedures without
waiting periods
Short-Term
Disability Insurance
A nonwork-related
injury or illness means lost profit for you and lost wages
for your employee. Short-term disability insurance
is a win-win option because it replaces a portion of your
employees' weekly earnings when they are unable to work.
Sentry's plan
includes:
- Weekly benefit amounts based on classification and percentage
of earnings
- Waiting periods and maximum benefit amounts designed
to control healthcare and recovery costs
Long-Term
Disability Insurance
Long-term disability provides a monthly
income for lengthy work-related or non-work related disabilities.
Sentry's plan
includes:
- Monthly benefit amounts based on classification and
percentage of earnings
- An effective return-to-work program to help your employees
get healthy and back to work again
We can also help you with medical coverage. Sentry maintains
relationships with medical coverage providers, so we can
help make arrangements with HMOs, PPOs and other insurers
if you need assistance in identifying medical coverage alternatives.
FOR YOU AND YOUR BUSINESS
Sentry also offers business
life insurance to help sustain your company and its
assets should you or another key employee die before retirement.
FOR MORE INFORMATION
Contact a Sentry
representative to discuss these and other Sentry coverages
and to tailor a program that is right for you.
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