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The Benefits of Bundling

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Bundling supplemental products with our other non-medical benefits has the ability to enhance your product offerings. And our single point of contact creates valuable efficiencies for you and your clients. Bundling can also help your clients retain and attract talent — vital to a company's long-term success.

You’ll find our supplemental products more comprehensive and competitive than ever. Learn more about how we’ve updated our benefits.

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Meet the Diverse and Changing Needs of Employees

You can bundle any or all of these products to provide your clients with a more comprehensive benefits package. Employees can then choose the benefits options that work best for them and their families.

Voluntary Benefits

To maximize efficiencies, pair our supplemental products — Critical Illness, Accident, and Hospital Indemnity — with any of the non-medical products included below.

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Hospital Indemnity

Pays benefits directly to employees so they can use the money for whatever they need during treatment or recovery. Employees can choose to cover children and spouses as well.

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Critical Illness

Gives employees a financial cushion by paying a lump-sum cash benefit for diagnosis of a covered illness. Helps employees prepare for the unexpected costs of a serious illness covered by the plan.

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Accident

Gives employees peace of mind by covering costs associated with injuries not fully paid for by medical insurance. Helps them prepare for the unexpected expenses that can come from an accident.

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Life and AD&D

Provides a death benefit and financial protection to a beneficiary through a simplified one-contact claims process. Employers get flexible Life and AD&D plans that fit their business needs.

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Short Term Disability

Replaces a portion of an employee's earnings if they are unable to work for a number of weeks. Our Workplace Possibilities consultants provide employers with access to local, onsite support.

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Long Term Disability

Pays employees a portion of their monthly earnings if they're unable to work for an extended period. Our Workplace consultants can help ease the burden on HR by working directly with employees.

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Dental

Covers the most common services with optional add-ons to increase value and flexibility. Employers can choose from a broad range of traditional and hybrid-style Group Dental plans.

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Vision

Provides regular eye exams at no or low cost to patients. Employers can choose from three simple, streamlined plan designs with local provider options throughout the nation.

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Protection From the Unexpected

Consider this: An employee's biggest worry is what their medical insurance doesn't cover.

Lost Wages

71%
Lost wages

Paying High Deductibles

65%
Paying high deductibles

Emergency Room Visits

56%
Emergency room visits

Our Voluntary Products Can Help Ease Those Concerns

Voluntary Insurance provides extra financial protection independent of medical insurance. It can be used to help cover needs like co-pays, groceries, childcare and everyday expenses. It can also replace part of employees' paychecks if they can't work because of an illness or injury, pregnancy or mental disorder.

 

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Legal

Critical Illness insurance is called Specified Disease insurance in the states of New York and Vermont.

These products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. The amount of benefits provided depends on the policy selected. Premium will vary according to the selection made. Please contact The Standard for additional information, including costs and complete details of coverage.

Group Accident Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP0614-ACC, GP0614-ACC FL.

Group Accident Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0614-ACC. This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE — THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Group Critical Illness Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP0614-CI, GP0614-CIw/GC0614-CI, GP0614-CI FL.

Group Specified Disease Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0614-CI. This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group Hospital Indemnity Insurance underwritten by Standard Insurance Company is provided under policy form number: GP0614-HI.

Group Short Term Disability Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP190-STD/S399, GP399-STD, GP399-STD/TRUST, GP899-STD/A300, GP399-STD/ASSOC, GP209-STD, GP414-STD, and GP411-STD.

Group Short Term Disability Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0500-STD. This policy provides SHORT TERM DISAILITY insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group Long Term Disability Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP190-LTD/S399, GP399-LTD/TRUST, GP190-LTD/ASSOC/S399, GP190-LTD/TRUST/S399, GP899-LTD, GP411-LTD, GP209-LTD.

Group Long Term Disability Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0500-LTD. This policy provides LONG TERM DISABILITY insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group Life Insurance, and Group Life with AD&D Insurance, underwritten by Standard Insurance Company is provided under policy form numbers: GP190-LIFE/S399, GP899-LIFE, GP190-LIFE/A997/S399, GP190-LIFE/ASSOC/S399, GP190-LIFE/TRUST/S399, GP399-LIFE/TRUST, GP190-LIFE/S214, GP411-LIFE.

Group Life Insurance, and Group Life with AD&D Insurance, underwritten by The Standard Life Insurance Company of New York is provided under policy form numbers: GPNY0500-LIFE, GPNYLI-809, et al, GPNYLI-809-ADD. This policy provides LIFE and ACCIDENTAL DEATH and DISMEMBERMENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group AD&D Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP494-ADD/S99, GP310-ADD, GP609-ADD.

Group AD&D Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0500-ADD. This policy provides ACCIDENTAL DEATH and DISMEMBERMENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group Dental and Vision Insurance underwritten by Standard Insurance Company is provided under policy form numbers: 9000 Rev. 04-13, 9021 Rev. 04-13.

Group Dental and Vision Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form numbers: 9000 NY Rev. 03-15, 9021 NY Rev. 03-15, 9000 NY Rev. 03-17, 9021 EHB-C NY Rev. 03-17. This policy provides DENTAL and VISION insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.

© 2021 StanCorp Financial Group, Inc.