Supplemental

The Colonial Advantage Presentation

Supplemental Benefits

More and more studies show that health care costs continue to rise in this country. Many employers are reacting by revising their insurance and benefit offerings to reflect this trend and compensate for increased costs.

Menard Wurtz provides a powerful, comprehensive benefit solution for employers just like you everyday who want to provide more benefits to employees without any additional cost. You can count on us to support you before, during and long after the enrollment process. MWA will work with you to help outline your employee benefits strategy, then provide support in the way it best suits you and your employees. We provide the following group benefits:

-Section 125 Plan
-Accident
-Dental
-Life
-Cancer
-Disability
-Vision
-Critical Illness
-Limited Medical Policies
-Medical Bridge or Medical Gap Plans



Why are supplemental benefits important?

Traditional medical insurance doesn't cover every expense related to an illness, injury or death. The bills and expenses continue to add up, especially if you have to stop working and lose your income. How will you pay the deductibles or co-payments, and other increasing medical costs not covered by your employer-sponsored insurance plan?

Supplemental insurance can help you prepare for these and other out-of-pocket expenses. Most of all, these plans help take the worry away about how you will pay your out-of-pocket medical and other everyday life bills. Without this worry, you can focus on getting better.


Supplemental insurance products help protect you in the following ways:

Disability insurance can help protect your most valuable asset, your income. This insurance provides benefits to help offset the financial losses that may result when you are disabled due to a covered injury or illness.

Supplemental life insurance is a valuable complement to employer-provided life insurance.

A serious accident, illness or hospital stay can result in significant out-of-pocket expenses that aren't covered by traditional medical insurance. Accident, cancer, critical illness and hospital confinement indemnity insurance can help protect against such expenses.

Supplemental insurance is offered at the worksite (through your employer) and features convenient payroll deduction for premium payments. Plus, many plans can be purchased through a flexible benefits plan allowing you to pay for valuable coverage with pretax dollars.

Supplemental coverage is flexible so that you can tailor your supplemental coverage to help meet your individual needs. With the help of our experienced sales representatives, you can choose the coverage that is most appropriate for the needs of you and your family.

MWA is a privately held Insurance services firm focused on delivering long-term results and building long-term relationships.

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