Employee Benifits Consulting Services 

Employee Benefits Consulting Services  





Major Medical
Limited Medical
Long-Term Disability

Why Supplemental Insurance?

More and more studies show that health care costs continue to rise in this country. Many employers are reacting by revising their insurance and benefit offerings to reflect this trend and compensate for increased costs. What do these changes mean for you?
56 percent of employers report that employee contributions will increase with the trend or greater than the trend rate – meaning some employees will take on a greater proportion of health care costs than they currently pay.
Nearly three-quarters of employers consider benefit reductions or an increase in copayments “likely” or “somewhat likely” in the coming twelve months.
**Source: Health Care Costs 2002 – A Watson Wyatt Worldwide Survey, 2001

How will these possible benefit reductions and increased benefit costs affect your insurance coverage? What about next year? What changes will it bring? We can’t predict the future; we can help you prepare for what happens next.

Traditional medical insurance doesn’t cover every expense related to an illness, injury or death. The bills and expenses continue to add up, especially if you have to stop working and lose your income. How will you pay the deductibles or copayments, and other increasing medical costs not covered by your employer-sponsored insurance plan?

Supplemental insurance can help you prepare for these and other out-of-pocket expenses. Most of all, these plans help take the worry away about how you will pay your out-of-pocket medical and other everyday life bills. Without this worry, you can focus on getting better.

Our supplemental insurance is offered at the worksite (through your employer) and features convenient payroll deduction for premium payments. Plus, many plans can be purchased through a flexible benefits plan allowing you to pay for valuable coverage with pretax dollars.

Our coverage is flexible so that you can tailor your supplemental coverage to help meet your individual needs. With the help of The Grant Agencies' experienced sales representatives, you can choose the coverage that is most appropriate for the needs of you and your family. The Grant Agency Inc. offers the supplemental insurance plans listed below.

Disability Insurance
Life Insurance
Accident Insurance
Hospital Confinement Indemneity Insurance
Cancer and Critical Illness Insurance

Supplemental coverage can help see you through - for what happens next.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Grant Agency Inc. representative.



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