Workplace Insurance
Getting injured or ill is never convenient. When you aren’t able to work for any length of time, you need a financial safety net. J.Co Insurance has access to a range of options to fit your needs and can help you find the best options for your business and employees. In addition, we can help individuals secure this coverage as well.
We also work with trusted broker partners who can assist with finding great options for your core health insurance.
Types of Insurance
Even with major medical insurance, out-of-pocket costs can be high. Deductibles, copayments, coinsurance, prescription drugs, plus the regular bills that don’t stop coming even when you are out of work due to being sick or hurt. It can all add up quickly. These supplemental policies can be vital to help maintain employee wellness and productivity.
Accident Insurance
Accident insurance provides financial protection in the event of unexpected injuries resulting from accidents. It typically covers medical expenses, hospital stays, and other related costs incurred due to accidents. It offers peace of mind and financial support during hard times.
Short-Term Disability
Short-term disability insurance provides income replacement to employees who are unable to work due to a temporary disability or illness. It helps individuals maintain financial stability during their recovery period by replacing a portion of their lost income.
Hospital Indemnity
Hospital indemnity insurance offers financial protection by providing a lump-sum benefit in the event of hospitalization. It helps cover expenses not covered by traditional health insurance, such as deductibles, co-payments, and other out-of-pocket costs.
Critical Illness
Critical illness insurance provides a lump-sum payment to individuals diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. This benefit can be used to cover medical expenses, household bills, or other financial obligations during a difficult time.
Cancer Insurance
Cancer insurance offers financial protection specifically for individuals diagnosed with cancer. It provides a lump-sum benefit or ongoing payments to help cover medical expenses, treatment costs, and other related expenses not covered by traditional health insurance.
Dental and Vision
Dental and vision insurance plans cover routine dental and vision care, including check-ups, cleanings, eyeglasses, and contact lenses. These plans help individuals maintain good oral and visual health while reducing out-of-pocket expenses for routine and preventive care.
Employee Assistance Programs
Employee assistance programs (EAPs) offer support and resources to employees facing personal or work-related challenges. These programs typically include counseling services, legal and financial assistance, wellness programs, and referrals to community resources, helping employees manage stress, improve work-life balance, and enhance overall well-being.
Whole Life and Term Life
Life insurance provides financial protection for individuals and their families in the event of death. Whole life insurance offers lifelong coverage with a guaranteed death benefit and a cash value component, while term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years) at a lower cost.
Telemedicine Insurance
Telemedicine insurance provides access to healthcare services remotely through virtual consultations with healthcare providers. It allows individuals to receive medical advice, diagnoses, and treatment without visiting a doctor's office, offering convenience, accessibility, and cost savings.