BSHI - Benefit Services of Hawaii

Group Term Life Insurance

You know that protecting employees and their families is a critical responsibility, and that means more than just providing a safe place to work. Group Term Life coverage can provide your employees and their families the additional financial security they need in the event of an unforeseen death. Offering employees and their families protection outside the workplace protects your employee investment, while helping recruit and retain the talent you need to succeed.

ACCIDENTAL DEATH & DISMEMBERMENT

Accidents can happen anytime, anywhere. For pennies on the dollar, Accidental Death & Dismemberment (AD&D) coverage provides an additional layer of protection for employees and their loved ones in the event of an accidental injury or death. Standard features include coma, seatbelt/airbag/helmet, disappearance, and repatriation benefits.

OPTIONAL ENHANCEMENTS

  • Child Care Benefit
  • Common Carrier Benefit
  • Critical Burn Benefit
  • Felonious Assault Benefit
  • Higher Education Benefit
  • HIV/HEP Benefit
  • Home and Vehicle Modification Benefit
  • Paralysis Benefit
  • Rehabilitation Benefit
  • Respite Benefit
  • Spouse Training & Education Benefit

FAMILY COVERAGE OPTIONS

Financial protection goes beyond employee coverage. An employee may need coverage for a dependent whose loss would result in financial strain. You can give your employees the opportunity to protect dependents by offering coverage for spouses and children.

THE DIGNITY PLANNER™

We are proud to provide The Dignity Planner, which allows your employees to create personalized funeral plans for themselves and their loved ones through a network of more than 2,000 providers.1 Employees choose a location for a memorial and specify their preference for burial, cremation, memorial services, charitable donations, flowers, obituaries, and death notices. After building a complete plan, it can be shared with loved ones.

GLOBAL EMERGENCY SERVICES

USAble Life understands that whether your employees are traveling on business or pleasure, unexpected events can occur. That’s why we’ve partnered with Assist America® to provide global emergency travel assistance services. These services include emergency medical evacuation, medical repatriation, the return of mortal remains, and compassionate visit benefits, just to name a few. These benefits are available to participants, their spouses, and dependent children, 24 hours a day, 7 days a week, whenever they travel 100 miles or more away from home. Assist America coordinates and pays for its assistance services with no caps, limits, or charge-backs to anyone, without exclusions for pre-existing conditions, adventure sports, geographic risk, or alcohol-related incidents.2

This provides a brief description of USAble Life’s Group Term Life and Accidental Death & Dismemberment coverage. This is not an insurance policy. Limitations and exclusions may apply and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy and certificate carefully.

  1. Dignity Planner site provided by SCI Shared Resources, LLC; The Dignity Memorial Network is comprised of funeral, cremation, and cemetary providers, which are affiliates of Service Corporation International, with corporate offices at 1929 Allen Parkway, Houston, TX 77019; availability of services, merchandise, and pricing may vary by area and location
  2. USAble Life has contracted with Assist America to offer the service to our Group Term Life policyholders
  3. 2016, Facts of Life: Life Insurance Available Through the Workplace, LIMRA®