Medical insurance is designed to cover healthcare costs for things like doctors and hospital expenses but what happens when an employee is unable to work. Everyone who needs a paycheck needs to protect it. There’s where our Group Disability products come in.
Term Life Insurance
Reliance Matrix offers multiple plan design options to custom-fit the budget and service preferences of any employee population, including Traditional Indemnity and Dental Preferred Provider Organization (PPO) options.
Dental programs can be written either as stand-alone coverage or as part of a package with other employee benefits.
We offer a wide variety of both employer paid and voluntary plans eye care plans that include benefits toward eye exams and materials such as prescription contact lenses and eyeglasses.
The Reliance Matrix eye care programs are available on their own, or in tandem with a Dental, STD/LTD or Term Life Insurance program.
Business Travel Accident
Our Business Travel Accident insurance offers benefits for key employees while traveling.
Disability Guard for Doctors™
Most doctors purchase individual disability insurance (IDI) early in their career. But as their earnings rise over time, a coverage gap develops as their IDI coverage limits quickly become insufficient.
Available as a group benefit, Disability Guard for Doctors™ offers the broad coverage features commonly found in IDI, with the added ability to stack coverage. The program was designed exclusively to address the unique coverage needs faced by doctors while safeguarding their earnings and professional standards. MGIS acts as program manager in partnership with Reliance Matrix, whose underwriting companies back coverage with strong ratings for financial strength.
Health insurance can offset many of the treatment costs, but there are “hidden” costs as well: time lost from work, deductibles, co-pays, convenient meals for the family and transportation to and from doctor visits. Our Accident Insurance pays a range of lump sum benefits when an employee or covered family member are injured in an accident – whether or not they are hospitalized.
Watch the video to answer questions you may have about Accident insurance and see how it can help for expenses not covered under many medical insurance plans. Things like, ambulance services, x-rays, physical therapy, medical supplies, childcare costs, and loss of income.
Surviving a critical illness is a victory but the financial implications can be devastating and ongoing. Our Critical Illness insurance provides a lump sum cash benefit upon the diagnosis of a critical illness such as a heart attack, stroke, cancer, paralysis and more. Fully customizable plan designs can also accommodate a variety of child specific diseases such as muscular dystrophy, cleft lip/palate, cystic fibrosis, down syndrome, type 1 diabetes, cerebral palsy and spina bifida.
These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and child care costs.
Watch the video to answer questions you may have about Critical Illness insurance and see how it can help cover out of pocket expenses not covered under standard medical insurance such childcare or housekeeping help, loss of income – expenses you never thought about.
Our Hospital insurance provides a lump sum payment for hospital admission and an additional benefit for every day spent in the hospital. These benefits are paid directly to the insured and may be used for any reason, from deductibles, co-pays, prescriptions to transportation expenses and childcare.
View the video to answer questions you may have about Hospital Indemnity insurance and see how it can help with non-covered medical expenses that come along with a hospitalization that you may not have thought about.
Limited Benefit Medical
Limited benefit medical plans can be a tool for recruiting and retaining employees in situations where traditional medical benefits are not offered or affordable. These plans can also help by increasing productivity through reduced absenteeism due to illness, improving employee morale and as a means to provide the level of coverage required by law. For example, our Minimum Essential Coverage plan can help employers meet their obligation under the Patient Protection and Affordable Care Act (PPACA).
SmartChoice Small Group Solutions
Small group coverage with big plan features
Offering quality employee benefits can be a big challenge for small business owners. That’s why Reliance Matrix created SmartChoice, an affordable, comprehensive benefits solution for clients with 2-19 employees.
Value Added Services
We offer employers a range of key value-added services to help their employees face life’s challenges.
Identity Theft Solutions
Being a victim of identity fraud is not only disturbing it can also require hundreds of hours to correct the damage. Our full-service identity theft remediation through InfoArmor® Identity Protection is a comprehensive recovery service that that will perform the recovery process for the insured, should they or a family member fall victim to identity theft.
Employee Assistance Program (EAP)
Employee life issues can lead to missed work or reduced productivity. Through the three types of EAP services offered by ACI Specialty Benefits, employers may reduce health insurance costs, increase productivity, and improve employee morale. Employers have the option of choosing between three types of plans:
- Standard: Telephonic intake only
- Enhanced: Telephonic intake with 3 face-to-face sessions
- Premium: Telephonic intake with 5 face-to-face sessions
All three options allow employees to access the program via a dedicated toll-free line that operates 24/7/365, to connect them with services such as health insurance referrals, legal assistance, financial counseling and work-life resources.
Travel emergencies can be stressful, On Call International travel assistance is a 24/7/365, toll-free service that provides pre-trip assistance, emergency medical transportation services, emergency personal assistance .