Products
More products, more carriers and often at
better price points. This is the product advantage Digital offers
to customers - regardless of how many people your company
employs.
Thanks to the aggregate volume of our business, Digital has
clout with insurance carriers. We work with several hundred
companies nationwide with complete access to all products sold
through traditional agents and brokers. In addition, Digital offers
a wide array of exclusive, proprietary products.
Insurance provides financial protection to you and your family,
offsetting expenses related to illness, disease, accident and
disability or taking care of your beneficiaries in the event of
your death. Digital works with companies to provide the best
combination of options to meet a business' workforce needs and its
budget considerations. The policies available to you depend on what
your employer selects.
Below are the types of products available through our agency,
along with some reasons why you may want to take responsibility for
providing this type of protection for yourself and your family. If
you are interested in obtaining a type of policy not currently
offered through your workplace, talk to the person at your
organization responsible for employee benefits. Sometimes
businesses will offer voluntary benefits - where you pay the entire
cost of the premium but quality for group rates. We also work
directly with individuals to help them obtain the coverage they
desire at affordable prices.
Basic Products
- Medical insurance provides protection against costly
health care expenses
- Dental insurance offsets the cost of dental
care
- Vision insurance offsets the cost of vision
care
- Long-Term Care insurance pays for services related to
home care or assisted living, which are not covered by medical
insurance
- Long-Term Disability insurance offers income if you are
disabled for a long period of time
- Short-Term Disability insurance provides income if you
are disabled for a short period of time
- Whole Life / Term Life offers benefits to your
beneficiaries
Voluntary Products
Once you meet diagnosis criteria, some policies provide cash for
expenses medical insurance doesn't cover, such as transportation,
in-home care, deductibles, co-pays, etc. Accidental death and life
policies offer benefits to your beneficiaries.
- Dental
- Vision
- Long-Term Care
- Short- and Long-Term Disability
- Whole Life / Term Life
- Accidental Death
- Supplemental Accident Benefit
Tax Advantage Solutions
Ask your employer about these beneficial solutions that can
reduce tax liability for you and the company where you work. We can
help your business to create these programs if they don't already
exist:
- High Deductible Health Plans (HDHP) with Health Savings
Accounts (HSA)
- Flexible Spending Accounts (FSA)
- Dependent Care Accounts (DCA)
- Health Reimbursement Arrangements (HRA/105)
- Premium Only Plans (POP)
- Transit Plans (132)
