Employer Paid Life AD&D Options- Must Cover ALL Eligible Employees- anyone working 30 hours+

  • $10k of Coverage- $1.47 per employee
  • $50k of Coverage- $7.10 per employee
  • $100K of Coverage- $14.10 per employee
  • 2x Salary to Max of $200K- $0.152 per $1,000 of coverage 200k is $30.40 Benefit Reduces by 35% at age 65, 55% at age 70, 70% at age 75, 80% at age 80

  • Must Cover ALL Eligible Employees- anyone working 30 hours+
  • 60% Coverage of Wages after 7 or 14 Day Elimination Period
  • 3 Month/12 Month Pre-Existing Conditions- Any Claims within the first 12 months of coverage will have a 3-month prior to coverage look back.
  • Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf but allows for the benefit received to be tax-free

 

Option 1

Option 2

Option 3

Benefit Amount

60%

Max Weekly Benefit

$ 2,308.00

$ 2,308.00

$ 2,308.00

Elimination Period- Accident or Sickness

14 days

7 days

7 days

Benefit Duration

26 weeks

Rate per $10 Covered Benefit

$ 0.36

$ 0.44

$ 0.48

$50K Example- Monthly Premium

$ 20.77

$ 25.38

$ 27.69


  • Must Cover ALL Eligible Employees- anyone working 30 hours+
  • 60% Coverage after 7 or 14 Day
  • Gross Up Option Also Available Requires Employees to Pay taxes on the premium amount paid on their behalf, but allows for the benefit received to be tax free
 

Option 1

Option 2

Option 3

Option 4 (gross-up)

Benefit Amount

60%

Max Monthly Benefit

$5,000.00

$8,667.00

$10,000.00

$10,000.00

Elimination Period- Accident or Sickness

180 Days

Benefit Duration

Social Security National Retirement Age

Rate per $100 Covered Payroll

$0.266

0.282

0.288

0.319

$50K Example- Monthly Premium

$11.08

$11.75

$12.00

$13.29


Comprehensive Digital Protection

  • Comprehensive Digital Protection
  • Financial Fraud Protection
  • Identity theft protection
  • Privacy Protection
  • Parental Controls
  • Senior Fraud Protection
  • Password Manager
  • Antivirus
  • $5M Insurance per Adult
  • 24x7 Customer support

Monthly Rates
Single Employee: $6.50
Family: $9 

  • All In One Easy to use App
  • Financial Fraud Protection Connected to 3 Bureaus
  • Dark Web & Social Media Monitoring
  • Family Plans include 10 additional Adults and unlimited

- Must cover All employees working at least 30 hours a week.

$4 Per Employee Per Month

OUR EAP INCLUDES

  • Work-Life/Personal Concierge services, including
    • Child & Eldercare Resources
    • Daily Living Resources
    • Legal Assistance
    • Financial Assistance
  • Initial assessment and referral to one of our other services provided
  • Short-term, solution-focused counseling*
  • 24/7 live answer from a master-level clinician
  • Computerized Cognitive Behavioral Therapy
  • Mindfulness Program
  • Life Coaching
  • Text-based Coaching
  • Content Library
  • In-the-moment support

Employer Paid Plans

Join the multitude of businesses in Rochester, NY and beyond that trust Optima Benefits Group for their employee benefits and payroll needs.

Call us at 585-506-4000 or email us through our secure contact page to learn how we can help your business grow and succeed.