Recipe for Extraordinary Employee Benefits
Extraordinary law firms need extraordinary employee benefits. When designing an employee benefits program, you need flexibility and a variety of options to create the right package for your employees.
As a member of the Association of Legal Administrators (ALA), you have access to a group non-medical employee benefit program from Principal Life Insurance Company. Designed specifically for law firms and companies with attorneys and staff, this program is only available to ALA members.
Check out the key ingredients of these products and services from Principal Life, an Association of Legal Administrators VIP Vendor.
- Flexible dental, disability, life, wellness and vision solutions
- Voluntary benefits and enrollment solutions to help keep your benefit budget in check
- Extended rate guarantees to help provide some benefit budget stability
- Performance guarantees to provide confidence you'll get the service you deserve
- Benefit administration tools to make it easy to manage benefits
- Discounts to maintain employee well-being
Dental Insurance
Access to dental insurance provides employees with the opportunity to maintain good oral health with:
- Strong provider network with access to more than 150,000 dental provider locations across the country
- Benefit flexibility so you can vary the range of deductibles, coinsurance and maximums based on the needs of your company and employees
- Provisional flexibility that allows specific procedures to be moved between service categories or coverage units
- Maximum accumulation that allows a portion of the unused maximum benefit to rollover or increase the maximum benefit in the following year
Disability Insurance
Disability insurance safeguards attorney and staff members' ability to earn an income with:
- Higher maximum benefit to meet the higher protection needs of law firms
- Specialty own occupation that protects attorneys by basing disability on the inability to work in a given specialty of law
- Business protection provides a benefit to the policyholder if a key shareholder or attorney is disabled
- Extended activity of daily living benefit continues payment beyond the long-term disability maximum benefit period if unable to perform two activities of daily living
- Extended earnings protection continues to provide a benefit after claimant fully recovers and continues to suffer an income loss of 20% or more because of the prior disability
- Employee assistance program with 24 hours a day, 7 days a week telephone and Web site consultation and the option to purchase additional options, such as face to face visits
Life Insurance
Life insurance provides protection from the unexpected with:
- Generous guaranteed issue and maximum limits to meet the higher protection needs of law firms
- Accidental Death & Dismemberment that provides additional protection in the case of an accident
- Accelerated benefits to help terminally ill employees maintain health, financial or personal needs before death
- Flexible waiver of premium that allows coverage to continue and premiums to be waived if an employee becomes disabled
- Beneficiary Financial Services Hotline to help beneficiaries plan their financial future with the help of experienced financial professionals
- Grief Support Services that connect beneficiaries with professionals who can provide comfort, offer guidance and suggest coping strategies
Wellness Solutions
Wellness solutions help employees improve their health while improving overall organizational health.
- Flexible product design
- A year-round wellness program, health coaching, preventive screenings and a wellness assessment on the wellness portal
- Monthly campaigns, seminars and challenges to keep employees engaged and motivated
- Affordable benefit to meet any size budget
Available to groups with three or more eligible employees.
Vision Insurance
Vision care makes it easier to prevent and treat vision related diseases with:
- No deductibles, co-payments or networks
- Benefits based on the scheduled benefit amount
- Employees can go to the provider of their choice
- Customization in $5 increments for each benefit
eBenefits Edge
This online benefits administration service connects with all your benefit providers to provide:
- Consolidation of all benefit services into a single system
- Automated transmission of benefit changes to all carriers
- Enhanced benefit management for reporting
- Online access for benefit specialists and employees
Available to groups with at least 75 covered lives.
Principal Work SecureSM
Employees receive a one-on-one needs analysis with a salaried employee benefit specialist to help employees determine if and how much coverage they need of each benefit. Work Secure includes:
- Personalized, action-oriented roadmap to help employee secure their physical and financial well-being
- Annual education and enrollment services
- Telephonic enrollment for remote locations and new hires
- No product participation requirements
Available for groups with 25 or more eligible employees offering two or more voluntary products.
Principal HealthyConnections
Employee benefits from Principal Life include access to discounts and services for employee physical and financial well-being:
- Hearing aid discount program
- Laser vision correction discount
- Oral health products
- Prescription drug discount
- Weight loss programs
Need more information about how to create extraordinary employee benefits? Contact your local broker or click here.
