Employee benefits for the world today
We’ve paired our no-size-fits-all approach with self-service tools and helpful support.
Dental
Our comprehensive plans include a large dental network. Plus, members earn rewards# and groups can save money† with our Beam Perks* program.
Access to a broad network of dentists throughout the country (500,000+ access points¶)
Covered cleanings, preventive care, and diagnostics for members§
An electric toothbrush that rewards members and groups for consistent brushing habits
Beam Perks program that allows members to earn and redeem points≅ for brush heads, floss, and gift cards for your favorite brands
Vision
We’ve partnered with VSP® Vision Care to extend vision coverage beyond the basics. Now, you can bundle‡ with other products for better value and brighter benefits.
Eye exams and lenses covered every 12 months
Frames covered every 12 or 24 months
Access to vision providers across the US at 121,000+ access points∮
Life
We’re helping you secure financial support for your family with our group term life plans.
A lump sum to cover final costs, daily financial obligations, or a child’s education in the event of sudden death
Ability to customize plans, including employer-paid and voluntary additional life coverage with optional AD&D benefits
Plans include Accelerated Death benefit so that, in the event of a terminal illness diagnosis, a portion of the benefit can be paid out during a member’s lifetime||
Disability
In partnership with The Hartford, we offer disability insurance plans and specialized expertise that provide financial protection to members who are unable to work due to an accident, illness, or childbirth.
Comprehensive short-term and long-term disability insurance plan designs customized to the member’s needs
Short-term disability insurance plans offer financial support with payments starting as soon as the first day of disability for up to 26 weeks
Long-term disability insurance starts as soon as 90 days after becoming disabled and can continue through the duration of the disability up to Social Security Normal Retirement Age (SSNRA)
Accident
We help cover unexpected costs that crop up from life’s twists and turns. Our accident benefit plans provide financial support for non-occupational accidental injury regardless of other health coverage. Plans pay directly to the member and can ease the financial impact of high deductibles, copays, and other associated medical costs.
Critical illness
We provide peace of mind and financial support when it’s needed most. Our critical illness plans supplement health coverage with extra protection and financial security in the event of a serious illness. A lump-sum benefit is paid directly to the member without any deductibles or benefit waiting periods. The money can be used for out-of-pocket medical costs or non-medical expenses, such as a mortgage or groceries.
Hospital indemnity
Our plans give you peace of mind, knowing that unexpected hospital costs will not be debilitating. Our hospital indemnity benefit plans are paid directly to a member experiencing an in-patient hospital stay and can help cover deductibles, copays, travel, child care, and other costs regardless of other health coverage.
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