Adding Low Cost, High-Value Insurance during Pandemic

Adding Low-cost, High-value Benefits during Pandemic

If you are an employer who has been impacted by staffing and payroll challenges during this COVID-19 Pandemic crisis, you’re not alone. A large majority of NH businesses anticipate a significant decrease in revenue resulting from state shut-down mandates, classification of essential vs. non-essential workplaces, and quarantine related staffing challenges. It’s no wonder groups are now looking at adding low-cost, high-value benefits during pandemic times.

Low-cost, High-value Benefits

Low-cost, High-value Benefits like ancillary benefits ( Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance) provide great financial security to employees concerned over unplanned medical events. An employee who is out is going to juggle not only their medical recovery needs, but also the priority of paying their bills. This raises the question for employers, how will they continue paying their share of health insurance?

When Life Insurance / Accidental Death & Dismemberment Insurance, Short-term / Long-term disability insurance are offered, it is very simple to include a voluntary critical illness or accident insurance policy which is paid for 100% by the employee. Because who isn’t worried about accidents and cancer devastating our very comfortable and familiar lifestyle? And if you offered these benefits now, just think about the relief any employee will have when a medical leave is inevitable.

Quarantine Benefit Rider

Groups with a Quarantine Benefit Rider embedded in their Short-term disability policy, brings an added financial benefit to employees, particularly right now. Should an employee be required to “quarantine” without illness, the Quarantine Benefit Rider act like a short-term disability policy and will continue 60% of their pay. While certain terms will apply, the rider protects the employee from severe financial disruption while helping the employer keep their workplace healthy and productive. I should add that this rider is no longer offered with NEW quotes from Guardian but the carrier will honor the proposals dated shortly prior to the events of COVID-19 for a brief period of time.

Not only are we independent, bringing you access to quotes from ALL carriers, but we specialize in benefits portfolio designing!

We, at Dublin Health & Benefit Group, LLc, offer a comprehensive approach to benefits portfolio designing, tailored specifically to the unique needs of each employer group. Often a new group will begin with just what they came for, a group health plan. But as we learn about the group and start to see cost saving options that will bring added value, we will bring it whether the solution is offered through us, a vendor or partner. Our partners work closely with us and our group clients on customized benefits portfolio designs!

Dublin Health & Benefit Group LLc has offered Group, Individual, and Medicare insurance throughout New Hampshire since 2005.

With over 30 years of experience, our friendly Employee Benefit Brokers will treat your employees like family. We truly act like an HR-benefits branch for each of our group clients as designed, making ourselves very approachable by employees at all levels.

Quote your group with Dublin Health & Benefit Group, LLc and receive a FREE trial to our outsourced HR solutions!

• Rebuild your handbook
• Tap into workplace compliance resources
• Complete free professional development and compliance training e-learning course
• Seek HR advising for your most complex HR/employee management workplace

Extended subscription may also include OSHA 10 hour general industry training courses, workplace safety courses, equipment safety courses …and more!

Companies with 15+ employees may subscribe to our Employee Onboarding tools, offering a secure workplace portal to manage employee onboarding, digital employee files, and a time-off management calendar.