Group Life Insurance
Group Disability Income Insurance
Group Limited Benefit Medical Insurance
Group life insurance allows employees to buy life insurance protection at rates that are generally lower than individual policies. With group term life coverage, a financial benefit is paid in the event of an insured employee or covered dependent’s death. Policies are typically offered as employer-sponsored plans—meaning the employer is paying some, if not all of the premium—or benefits where the employee pays the entire cost.
Frequently Asked Questions
Why should I offer life insurance? 
Giving employees the opportunity to buy life insurance at work is a simple way to enhance your benefits package while doing something positive for your hard-working employees and their families. Because premium is based on the entire group rather than individuals, workers can take advantage of lower group rates and a more convenient enrollment process than if they were to purchase insurance on their own.
Do I have to pay the entire cost of coverage? 
Do I have to pay the entire cost of coverage?
Most group life insurance carriers will offer several employer contribution options. For example, a basic policy may require the employer to fund a minimum portion of the premium with employees paying the balance. Other plans may allow employees to pay the entire premium. These are often called supplemental or voluntary plans.
How do I know who is eligible for coverage?
How do I know who is eligible for coverage?
Generally, the employer determines employee and dependent eligibility. For example, you may require that all employees work a minimum of 30 hours per week and be employed for 30 days prior to enrolling. You may also have the flexibility to offer different levels of coverage for various classes of workers. This can help reward those who put in more hours and/or change the amount of premium you are required to pay.
Symetra Supplemental Life Brochure
This brochure is used with the Symetra Supplemental Group Life insurance policy. It helps employees understand their benefits and determine the amount of life insurance coverage they need.
Download brochure 
Group Disability Income Insurance
Group disability helps protect a person in the event they are unable to earn a living due to a disabling injury or illness. With a group disability policy, employees receive benefits equal to a percentage of pre-disability earnings for a set period of time. Usually a disability plan includes short- and long-term coverage with premium paid by the employer, the employee or both.
Frequently Asked Questions
Doesn’t workers compensation cover expenses? This is a common misconception. Workers compensation only covers incidents that happen while the employee is at work. But often a disabling injury or illness happens off-the-job; making the employee ineligible for these types of benefits. Most short-term disability polices only cover off-the-job incidents; however, long-term disability can provide benefit protection 24 hours a day.
By offering a group disability income insurance plan you can help protect the financial well being of your valued employees. This can help make your benefits package more attractive to new talent and your company more competitive overall.
Will Social Security provide financial assistance?
Will Social Security provide financial assistance?
Yes and no. Social Security only covers long-term disabilities and offers just a fraction of the dollars most families need to maintain their current standard of living. Plus, the application process can be tedious and many first-time filers find their claims are denied.
What plan should I offer?
What plan should I offer?
Generally, companies will pair short- and long-term benefits to maximize coverage and give employees time to fully recover.
Who pays the premium?
Who pays the premium?
Many carriers will offer employer-sponsored and supplemental/voluntary options. An employer-sponsored plan requires employers to pay some, if not all, of the cost of benefits. Supplemental and voluntary plans are paid 100 percent by employees.
What’s the difference between a voluntary group plan and an individual disability policy?
What’s the difference between a voluntary group plan and an individual disability policy?
With a voluntary group plan, employees will find easier access to benefits and likely a better rate since coverage is being offered to an entire group rather than on an individual basis.
Some carriers combine voluntary coverage with employer sponsored benefits—often called a core buy-up plan. With this setup, the employer pays the entire cost of the “core” level of benefits. If employees want to “buy-up” for richer coverage, they can do so at their own expense.
Symetra Employee Assistance Program (EAP)
Symetra offers an Employee Assistance Program (EAP) to provide workers and their families with confidential assessment and counseling services for professional and personal issues. EAP services are designed to help reduce the costs employers incur from healthcare utilization, absenteeism, on- and off-the-job accidents, and unemployment.
Read more about our EAP or contact your Symetra Group broker or agent for details.
What to Expect When You File a Symetra Disability Income Insurance Claim
Symetra Group Disability policyholders may find this brochure helpful to hand out to enrolled employees. It explains the claims filing process while providing answers to commonly asked questions.
Download the brochure or contact your Symetra Group broker or agent for details.
Group Limited Benefit Medical Insurance
Select Benefits
Help protect the health and well-being of your valued employees with Select Benefits limited benefit medical insurance. Select Benefits can provide benefits for routine services for full-time, hourly, part-time and temporary workers. Full-service administrative and claim functions are provided by Select Benefit Administrators of America, a division of Symetra Life Insurance Company.
Learn more about Select Benefits.
