News & Events

Group Life And Disability Highlights

Wednesday, May 18, 2016

Experience the ease of working with one carrier for your medical stop loss, group life and disability needs. Tokio Marine HCC – Stop Loss Group offers group life and disability programs at competitive prices for employer groups with at least 50 lives. These benefits are designed to keep an employer’s coverage cost effective while giving employees the option to tailor plans to meet their individual needs

Group Benefits Product Options

  • Available to groups with as few as 50 lives
  • Basic and Supplemental Life
  • Basic and Supplemental AD&D
  • Basic and Supplemental Dependent Life
  • Short Term Disability
  • Long Term Disability

Group Life Highlights

  • Basic Life offered in multiples of salary or flat amounts, as high as $100,000
  • Supplemental Life offered in increments or multiples of salary as high as $500,000
  • Basic Life dependent life maximums as high as $10,000
  • Supplemental Life dependent life maximums as high as $100,000
  • Accelerated death benefit
  • Conversion
  • Waiver of premium
  • AD&D benefits same as Basic Life with options for Supplemental Life
  • Additional AD&D benefits include seat belt, air bag, higher education and common carrier

Short Term Disability Highlights

  • Disability Income protection for up to 26 weeks, as high as 52 weeks
  • Weekly percentage of salary or a flat amount benefit available
  • Variety of contribution types including core/buy-up
  • First day hospitalization or outpatient service benefit available

Long term Disability Highlights

  • Disability income protection after exhaustion of sick leave or short term disability
  • Percentage of salary benefit
  • Variety of definition of disability available
  • Variety of contribution types including core/buy-up
  • Return to work incentives to encourage faster return to work
  • Survivor income benefit available
  • Activities of daily living benefit available