Health Insurance is One Part of an Employee Benefits Package. What Makes Up the Rest?

Group health insurance, particularly an employer health plan, is at the core of employee benefits.

In addition to health insurance, employees are now expecting to have a comprehensive benefits package that includes dental, vision and life insurance, as well as health-club memberships, disability and worksite voluntary benefits.

At Commonwealth Insurance Partners, we begin there … learning ‘who’ your company is, what is important to your employees, and what type of benefits would create the greatest value for retaining and motivating them. We then custom-design a company benefits package that keep your compensation competitive while maintaining lower costs.

Here are the most common components of an Employee Benefits package for Kentucky employers:

  • Medical
  • Dental
  • Vision
  • Long Term Disability
  • Short Term Disability
  • Basic and Voluntary Life Insurance
  • Accidental Death and Dismemberment
  • EAP (Employee Assistance Program)
  • TeleHealth (remote/virtual/online)
  • Benefits Administration
    (through programs such as
    “Ease” and “Employee Navigator”)
  • Supplemental Insurance:
    • Critical Illness
    • Accident
    • Cancer

What Else? Beyond the health care coverage, we manage your Employee Wellness packages that integrate wellness components, which depend on what your employees need … anything from health-club memberships to stress reduction, smoking-cessation programs, Employee Assistance Programs and financial well-being management.