Here is why group voluntary benefits are important: every Employed Person (Teachers) needs Pay-Check Protection/Supplemental Insurance just as every Employed person needs medical insurance, Life insurance, auto insurance and air to breathe. But many Consumers/Teachers are not aware of the dire need for Pay-Check Protection/ Supplemental Insurance. Most Americans own health insurance, acknowledging that over their lifetime, during their Career, they may become sick or injured and be required to pay for medical services and potentially experience loss of income. But most of those same Americans don’t take the measures necessary in protecting their income (paycheck) during those periods of sickness or injury. This is a complete conundrum that must be solved. There is a definite disconnect between consumers and their pay-check protection needs. The average Teacher is provided with 10-15 sick and personal days per year.
What happens when a sickness or injury exceeds their available leave days? Or a love one, such as a child develops a critical illness? This is where USA through its consultative selling approach educates clients about the importance of pay-check Protection /supplemental insurance programs.
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United Schools Associate is an insurance that pays you cash directly to help pay for things that major medical doesn’t cover.
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USA’s OUTSTANDING FEATURES
Providing Financial Benefits When You Need Them the Most
Pays money directly to you (generally tax-free)
or to whomever you have designated.
Cannot be cancelled by the company
Your policy is guaranteed renewable for life, as long as your premium is current. However, we have the right to change premiums—but only if we do the same to all policies in the same class in your state
Pays in addition to any other insurance
including HMOs, PPOs, sick leave, sick bank, and workmen’s compensation.
Provides financial predictability
Fills in critical gaps in coverage and provides peace-of-mind protection.
Continuous coverage (portable)
Even if you change jobs or retire, your benefits stay with you.
Assists in reducing health care cost
A supplemental benefits such as accident, disability, critical illness, and hospital indemnity, alongside your medical coverage could mean cash and more.
Guaranteed issued
Guaranteed issued benefits during open enrollment, regardless of health issues.
Paid wellness benefits
You can get paid wellness benefits for checkups at the doctor's office.
Group premium discount
Through the educator’s school worksite, the insured can enjoy premium discount for group enrollment and occupational classification.
Potential tax benefits
Self-employed persons may be able to receive a tax deduction on premium payments (please check with your accountant).
Here are the facts: The top reasons every working American (Teachers) needs paycheck protection
(32) At age 32, (medium age for Teachers) the chance of being disabled for 90 days is 6.5 times greater than the chance of death. (Source: National Association of Insurance Commissioners)
(18%) More than 51 million Americans- 18 percent of the population- are classified as disabled.(Source: US Census Bureau, November 2008)
(3/10) Almost one–third of Americans entering the workforce today – three out of 10 – will become disabled before they retire. (Source: Social Security Administration, 2007)
(2.35) 34,017 fatal crashes occurred in 2008, the lowest rate since 1961. Next, what about those persons who survived the carnage? 2008 2.35 million people were injured in car accidents. Car crashes are the leading cause of acquired disability in the United States. (Source: NHTSA Fatality Analysis Reporting System)
(75%) Seventy –five percent of disabilities are caused by an illness rather than an accident. (Source: Commissioner’s Disability Table)
