Specialty Benefits
In collaboration with Blue Cross Blue Shield of Michigan, Blue Care Network
When your employees are sick or in an accident, their health plan covers most of their medical costs. But what about all the other expenses? Specialty benefit plans go beyond the basics and let you offer the additional coverage that attracts and keeps top talent.
Now you can offer your employees these plans from Dearborn National® Life Insurance Company and LifeSecure Insurance Company. Combining this coverage with Blue Cross health plans gives you and your employees peace of mind from a name you trust.
We can customize a plan to fit the individual needs of your company.
Find out how these plans can benefit your employees and your company. Call your Blue Cross sales representative or insurance agent today.
Life
Life insurance from Dearborn National can provide financial support to your employees or their families. They’ll get help with the costs of personal debts, medical bills and funeral expenses, so they can feel secure about their family’s future.
You can offer your employees an opportunity to protect their loved ones with a plan that lets them:
- Choose coverage for spouses, domestic partners and dependent children
- Get access to grief, legal and financial counseling
- Take the coverage with them if they leave your company
These plans are flexible enough to fit the needs of your company. You can choose from employer-paid or employee-paid options.
Want to learn more?
Watch this video from Dearborn National to find out how a life insurance plan can help give your employees peace of mind about their family’s financial future.
Dearborn National® Life Insurance Company is a separate company, not owned by Blue Cross Blue Shield of Michigan, and does not provide Blue Cross Blue Shield of Michigan or LifeSecure products or services. Products and services marketed under the Dearborn National® brand and the star logo are underwritten and/or provided by Dearborn National® Life Insurance Company, which is solely responsible for the life and disability products described above. Benefits offered will vary by case size.
Disability
Bills and everyday needs don’t stop because someone can’t work. An accident, illness or pregnancy can put your employees’ financial future at risk.
Disability plans from Dearborn National give your employees the support they need to heal and get back to work faster. Employees get help paying their bills and covering their living expenses while they’re unable to work. The plans let your employees:
- Start benefits quickly with just a phone call
- Continue to get a percentage of their salary while they’re off work
- Transition seamlessly from short-term to long-term disability coverage
We make it easy for you to customize each plan to fit the needs of your company. You can choose from employer-paid or employee-paid options.
Want to learn more?
Watch this video from Dearborn National to find out how disability plans can help your employees pay their bills while they’re unable to work.
Dearborn National® Life Insurance Company is a separate company, not owned by Blue Cross Blue Shield of Michigan, and does not provide Blue Cross Blue Shield of Michigan or LifeSecure products or services. Products and services marketed under the Dearborn National® brand and the star logo are underwritten and/or provided by Dearborn National® Life Insurance Company, which is solely responsible for the life and disability products described above.
Accident
When one of your employees gets injured, they may need help paying for the unexpected costs that come along with the injury. A group accident insurance plan from LifeSecure can help your employees pay for things like:
- Out-of-pocket medical expenses, such as deductibles or copays
- Housekeeping
- Child care
- Transportation while they recover
Your employees can get these benefits regardless of other coverage.
We’ll work with you to customize a plan to fit your employees’ needs. Choose to pay for it yourself, or have your employees pay a portion or all of the premium.
LifeSecure Insurance Company based in Brighton, MI, is an independent company that doesn’t provide Blue Cross Blue Shield of Michigan products or services. LifeSecure is solely responsible for and underwrites the accident coverage. This insurance policy has exclusions and limitations. Contact your insurance agent for benefit information. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Hospital Recovery
When your employees have a hospital stay, their health plan will help cover their medical bills. A group hospital recovery insurance plan from LifeSecure can get them the money they need to help pay for other expenses, such as:
- Home care
- Housekeeping
- Child care
- Remaining hospital bills
For each day they spend in the hospital, they’ll get a cash benefit based on the plan. Your employees are free to add this plan regardless of what other coverage they may already have.
We can help you design a plan to fit your employees’ needs. Choose to pay for it yourself, or have your employees pay a portion or all of the premium.
LifeSecure Insurance Company based in Brighton, MI, is an independent company that doesn’t provide Blue Cross Blue Shield of Michigan products or services. LifeSecure is solely responsible for and underwrites the hospital recovery coverage. This insurance policy has exclusions and limitations. Contact your insurance agent for benefit information. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
Long-Term Care
When your employees face a chronic illness or disability, they may need help with things like eating, bathing and dressing. Getting this type of assistance can be expensive. And Medicare covers little or none of the costs.
Now you can offer them a long-term care insurance plan from LifeSecure that includes:
- Coverage for home care, assisted living, adult day care or nursing facilities
- Care advisor services that are available on the first day of coverage
- Discounts for spouses or domestic partners
- A flexible benefit that helps cover the cost of informal care, products and services
We can help design a plan to complement your company’s insurance coverage. Choose to pay for it yourself, or have your employees pay a portion or all of the premium.
LifeSecure Insurance Company based in Brighton, MI, is an independent company that doesn’t provide Blue Cross Blue Shield of Michigan products or services. LifeSecure is solely responsible for and underwrites the long-term care coverage. This insurance policy has exclusions and limitations. Contact a health plan advisor or your insurance agent for an Outline of Coverage. LifeSecure’s long-term care insurance may require a medical exam. Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association.
This is a solicitation of long term care insurance.
LS-LTC-0427-ER-PUB MI 4/15
Critical Illness
When your employees face a critical illness, their medical bills will increase and they may have to miss work.
Critical illness plans from Dearborn National can help give your employees the financial protection they need. When an employee is first diagnosed with a condition we cover, they’ll get a lump sum of cash they can use to help pay their bills. They can use it toward their deductibles, coinsurance, mortgages, groceries or any other expenses.
The plan offers these unique features:
- Three plan options to meet different employee needs
- Coverage for employees, spouses and children
Critical illness insurance is available to companies with 50 or more eligible employees. We can help you design a plan to fit your employees’ needs. Choose to pay for it yourself, or have your employees pay for some or all of the premium.
Want to learn more?
Watch this video from Dearborn National to find out how a critical illness plan can help your employees pay out-of-pocket medical expenses and bills when they can’t work.
Dearborn National® Life Insurance Company is a separate company, not owned by Blue Cross Blue Shield of Michigan, and does not provide Blue Cross Blue Shield of Michigan or LifeSecure products or services. Products and services marketed under the Dearborn National® brand and the star logo are underwritten and/or provided by Dearborn National® Life Insurance Company, which is solely responsible for the critical illness product described above. Benefits offered will vary by case size.