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Insurance

Supplemental Group Coverage Plans

Description
Vision Consistent and regular eye exams by adults are important because they allow for the early detection of specific eye diseases as well as medical conditions such as hypertension and diabetes. For children, visits to the eye doctor should occur even more frequently to ensure proper eye development and to detect any visual instabilities. At First Commonwealth Insurance Agency, we can assist your company in determining proper vision benefits to include in your overall benefits program.
Dental The importance of maintaining a healthy mouth is no longer just a cosmetic issue. Studies now show there is a direct relationship between poor dental hygiene and diseases such as diabetes and cardiovascular disease. Our agency can assist in the development of proper dental benefits to meet the coverage and financial needs of your employees. Whether you are seeking a product where employees contribute to the premiums or wish to provide it as a core employee benefit product, we can design the most appropriate solution for you and your employees’ dental needs.
Life/AD&D Group life insurance will help to assure that family members will be protected in the event of an employee’s death. We represent carriers that are the leaders of the industry so that your employees can have the most innovative, far-reaching products and services in the marketplace today.
Short-Term/Long-Term Disability What will you do if you have an accident or suffer an illness and couldn’t work? Your paycheck stops. How would you pay for your food, your home, your car? Short Term and Long-Term Disability insurance can replace a portion of your income and help provide financial security. Consider it Paycheck Insurance. We at First Commonwealth Insurance Agency represent many reputable insurance carriers to provide the best disability coverage possible for your employees in the event they are injured while off-the-job.
Long-Term Care At home or in the workplace, long-term care is emerging as one of the most important issues of our time – and employers have a key role to play. As our population ages, more and more of today’s employees are stepping into the role of caregiver for a parent, an older relative, or a friend. This creates problems for workers who face time and financial pressures, and issues for employers who suffer because of lost productivity from those employees. First Commonwealth Insurance Agency can assist your company by adding long term care insurance into your benefits program to maintain productivity on the job, and to ensure the financial well-being of your employees.
Voluntary Products – employee paid Even the best medical program may not pay all the direct medical expenses. There are usually deductibles or copayments under your plan that must be paid directly by the person receiving care. In addition, your coverage also will not pay for expenses such as travel to and from special treatment centers, food and lodging while away from home, child care, house payments, and so on. Through First Commonwealth’s Voluntary Benefits program, we can provide additional benefits to your employees to help cover those unreimbursed expenses listed above. Uniquely, the coverages are offered to your employees on a voluntary basis and paid for through payroll deductions.

The advantage to this type of benefit offering is that your employee, at the time of an approved claim, will be paid regardless of any other insurance. Because the coverage is supplemental, the benefits are paid directly to the insured party to use as he or she sees fit. Employees are also able to keep this insurance even if they leave the company. The advantage to you as the employer is that you are able to offer attractive benefits to your employees at no cost to the company. In addition, your employees can pay for these benefits on a pre-tax basis through preferred tax programs allowed by the IRS. The purchase of these benefits becomes a win-win situation for the employer and employees because of those significant tax advantages.

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