Employee Benefit

Smoother Benefits Your Way

Voluntary benefits help employers build a  competitive  benefits package that will keep workers happy and attract skilled workers without adding to the bottom line

Life

No matter where your employees are in life, they can get coverage that’s right for them with options that can help them protect their family’s future. Life insurance provides a benefit to their loved ones in the event of their death, and certain types of coverage can also build cash value over time.

Life insurance can help an employee’s family with things like:

  • Paying medical and funeral bills

  • Replacing lost income

  • Paying off a mortgage and other debts

  • Protecting retirement plans

  • Funding college expenses

Dental

Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay. Dental coverage will cover the following for employees:

  • Cleanings

  • Fillings

  • Sealants

  • Tooth removal

  • Crowns

  • Dentures

Healthier, happier employees contribute to stronger businesses. If you’re looking for ways to round out your benefits package without incurring direct costs to your organization, consider Colonial Life Dental Insurance.

Why Work With JCM Insurance Solutions for Employee Benefits?

Your employees deserve more than generic plans or frustrating enrollment portals. With JCM Insurance Solutions, your business gets:

Custom Benefit Strategy
We take time to understand your company’s size, goals, and budget—then match you with group plans that offer real value for your team, including health, dental, vision, and supplemental coverage.

Hands-On Employee Support
We help your team navigate benefits year-round—not just during open enrollment. From onboarding new hires to resolving claims, we’re a direct resource for your employees.

Carrier-Neutral Expertise
We partner with multiple leading carriers and always recommend what’s best for your business—not what earns us the highest commission.

Compliance & Simplicity
We make it easier to stay compliant with healthcare regulations and streamline your benefits process, saving you time and reducing risk.

Serving small and mid-sized businesses across the country with personalized service, trusted advice, and a commitment to long-term partnership.

Accidental/Injury

When employees get injured, it can take a mental and financial toll. Help give your employees peace of mind with access to accident insurance that can help cover the costs of accident care, recovery and even treatment‐related transportation and lodging.

Coverage can be entirely employee-paid, offering a way to expand coverage options for employees without impacting your budget. Everyone wins:

  • Flexible coverage options. Employees can choose coverage for just themselves, or they can select family coverage for their spouses and children.

  • Benefits are payable directly to employees (unless otherwise specified). Accident payments are based upon the type of covered accident, and employees can spend the money how they want.

  • No medical underwriting to qualify for coverage. Employees can get accident coverage without answering health questions.

  • HSA-compatible. All accident plans are HSA-compatible.

  • Annual wellness benefit for routine examinations or other preventive testing encourages proactive health management.

  • Additional benefit provisions available may include Active Lifestyles, Behavioral Health Therapy, Personal Safety Benefit, and a Building Benefit that increases the value of coverage over time.

Critical Illness

Critical illness coverage provides a lump-sum benefit to help with out-of-pocket costs when diagnosed with a covered condition. Examples of out-of-pocket expenses include:

  • Deductibles and co-pays

  • Out-of-network treatment and additional medical procedures

  • Travel, lodging and meals during treatment

  • Rehabilitation and home health services

Vision

Vision coverage will help pay for eye exams and materials, such as glasses and contact lenses. This additional coverage can help your employees maintain healthy vision and overall wellness.

Your employees will have access to a national vision network that includes independent optometrists, ophthalmologists and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision and Target.

Hospital Indeminity

Balancing benefit costs and coverage is difficult for you and your employees. Whether you’re looking for a way to round out your overall benefits package, move to a more affordable health plan, offer HSA-compliant coverage or simply provide more robust benefit options to your staff, hospital indemnity insurance can help.

By offering employees this additional benefit, you can deliver a solution to help employees offset the gaps left by expenses that aren’t covered by most major medical plans, such as costs related to:

  • Outpatient surgery

  • Inpatient services

  • Diagnostic tests

  • Doctor appointments

  • Emergency room trips

This type of coverage not only reduces financial strain for workers, but also helps alleviate the business pains that come with managing ongoing changes in employee health benefits.

Disability

Disability insurance may provide income protection for a range of medical conditions, including:

  • Musculoskeletal and joint disorders

  • Pregnancy and childbirth

  • Injuries

  • Behavioral health

  • Cancer