Request A Consultation
P:978-432-1478

Voluntary Benefits

Essex Insurance Partners offers a complete line of voluntary employee benefits. As we all know, health insurance covers less and costs more than it did just a short time ago. These products are designed to help your employees with the rapidly increasing costs of serious illness or injury. They are provided through payroll deductions with no premium cost to the employers. These benefits are very affordable and provide greater employee satisfaction, productivity and retention. An EIP agent will provide information to your employees and meet with them individually to learn their specific needs. During that meeting, the agent will answer all their questions and create a customized coverage plan that fits their needs and budget. After the enrollment your EIP agent will continue to help your employees with claims, questions or changes to their coverage. Some of the voluntary products available include:

  • Disability
  • Cancer
  • Life Insurance
  • Hospital Indemnity
  • Critical Illness Plans
  • Accident Plans

Hospital Indemnity Insurance Plans

What is hospital indemnity insurance?
Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital. The Hospital Cash Plan is a hospital indemnity insurance plan.

How is the Hospital Cash Plan different from a traditional medical plan?
Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Hospital Cash Plan pays a lump-sum payment directly to the insured for a covered hospital confinement, outpatient surgery, and emergency injury or sickness.

Critical Illness and Cancer Insurance Plans

How is a Cash Cancer Plan different from a traditional medical plan?
Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Cash Cancer Plan pays an immediate one-time, lump-sum payment directly to the insured upon initial diagnosis of covered cancer. The cancer insurance policy benefit can be used for any purpose you choose.

Accident Insurance Plans

Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.