Group disability
Includes Short-term (STD) and Long-term Disability (LTD), together or separately, whether employer-paid or voluntary. We offer flexible coverage and return-to-work incentives.

Group life and accident
Basic, supplemental and voluntary programs for diverse needs. A living benefit option is just one great way we help cushion people against loss.  

Total absence management
Maximizing productivity is a top priority with this offering. We coordinate disability, federal, state and other leaves, saving time, angst and money. 

Voluntary benefit solutions
A great way to curb costs while attracting talented employees with affordable group rates. We personalize enrollment and keep rate options flexible. 

Retiree health coverage
Cover retirees' health while helping to protect companies' bottom lines. Our plans are integrated with Medicare and give members more freedom of choice.

Value-added services
Our plans work overtime for employees with a unique array of services, like emotional, financial, legal and travel assistance. 

Our claims philosophy
Claims handled by compassionate experts. Whether the claim is for Short-term (STD), Long-term Disability (LTD), or Life insurance, our people help provide answers as well as caring support.

Tools for your employees
With the right tools, your employees can make better benefits decisions. 

How a representative can assist you
With a single point-and-click, get in touch with a single point of contact.