Benefit Services of Hawaii. – sol(u)tions



Our Products › Group Insurance Plans

Temporary Disability Insurance (TDI)

  • Provides partial income replacement for employees who are temporarily unable to work due to a non-work related illness or injury.
  • Meets state-mandated minimum standards.
  • Enhanced benefit programs are also available.

Group Term Life Insurance (GTL)

  • Payable upon death, regardless of cause.
  • Waiver of premium: Coverage is continued without payment of premium during total disability commencing prior to age 60 (subject to application and approval).
  • Convertible: Full conversion privilege without medical evidence upon termination of employment.
  • Your choice of benefit schedules (flat amounts or multiples of salary).

Accidental Death and Dismemberment

  • 24–hour coverage for accidents occurring on or off the job.
  • Benefit amount equals the life insurance benefit.

Dependent Life Insurance

  • Provides a life insurance benefit for spouse and eligible dependents in conjunction with the employee's coverage.
  • Full conversion privilege without medical evidence upon termination of the employee's insurance or when the dependent reaches the limiting age.

Long-Term Disability Insurance (LTD)

  • Provides partial income replacement for employees who are unable to work.
  • Pays benefits in case of partial disability.
  • Choice of benefit percentages, elimination periods and benefit duration.
  • Premium payments for an employee who is totally or partially disabled are waived for any period for which benefits are payable.
  • Other features include full maternity coverage, three-month survivor benefit, Social Security increase freeze, minimum monthly benefit, and continuity of coverage between insurers.