DBL
NY DBL (New York Disability Benefits Law) is a state mandated coverage for all employers who employ one or
more persons. DBL provides coverage for all non-occupational disabilities, including pregnancy and the benefit
is payable for up to 26 weeks.
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Dental and vision
Individual and group dental plans are a low-cost option for those looking to supplement their major medical
coverage or offer employees a value-added benefit. Plans provided by The IHC Group allow you
to choose your own providers or to choose from an extensive PPO network with more than 130,000
providers nationwide.
Dental and vision for individuals can be purchased separately or as a bundled plan.
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Short term medical
Short term medical (STM) plans offer a temporary solution when a life transition leaves you uninsured.
Plans are available online and are active within 24 hours of applying. Short term medical coverage
usually lasts for as few as 30 days and up to 364 days in some states.
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Supplemental Plans for Individuals
• Gap Plans
Health insurance deductibles and out-of-pocket costs can take a toll on your savings
should an unexpected medical event occur to you or someone in your family. Metal
Gap plans are bundled insurance benefits that can cover the cost of your deductible
should an accident, critical illness or hospital confinement take place, reducing
the burden and stress from your wallet.
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• Critical illness
It’s cash when you need it. Critical Illness Health Insurance from The IHC Group pays you a lump sum cash benefit
when a covered medical condition is diagnosed. You choose how to spend the money, whether for lost income, mortgage or child care payments.
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• Hospital and surgical indemnity
For individuals and families looking for extra protection, hospital and surgical
indemnity can cover the unexpected. Choose from a variety of plans with varying
level of benefits for inpatient and outpatient surgeries, hospital confinement,
chemotherapy and more.
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• Rx Pay Card
Accepted at over 55,000 pharmacies throughout the United States, the Rx Pay Card network includes pharmacy
chains as well as thousands of independent pharmacies throughout the country.
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• Telemedicine
Quality, convenient and cost-effective healthcare at your fingertips. Telemedicine offers three great benefits including
access to a licensed physician 24/7 through Teladoc, advocacy and support for high-dollar claims through Athos and exclusive
discounts on hearing services through American Hearing Benefits.
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Supplemental Plans for Employer Groups
• Group Scheduled Benefits
• Group Gap
Group life and disability
Whether an employer is looking for a basic level of coverage, special contract language for union-negotiated
benefits or an enhanced package geared at attracting and retaining employees, IHC has products to meet various
group life and disability needs.
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Pet insurance
Pet insurance is quickly becoming one of the most popular coverages for individuals and families that want to protect their household
pet with accident and illness insurance, without worrying about veterinary networks.
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Occupational Accident and Employer Liability
Designed for the Texas non-subscription insurance market, this group accident insurance offers private
employers a competitive and flexible option to statutory Texas Workers’ Compensation Insurance by covering
work related injuries and occupational diseases.
Benefits provided include medical, short term disability and accidental death and dismemberment.
Employer’s liability is also available that covers defense attorney’s fees and
all or a substantial portion of any negligence award granted for covered incidents.
Injury on Duty (IOD)
In Massachusetts, the municipality, not Workers’ Compensation bears the financial responsibility for
an injury sustained by a public safety officer. This special risk accident insurance policy provides highly
customizable medical indemnity, life and disability income benefits to help municipalities manage this
looming and omnipresent risk associated with preserving public safety.
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