Employers: Protection for Life’s Essentials
Support your employees through every stage of life with supplemental coverage that provides added financial protection.
Explore all products
Accident insurance helps pay for unexpected out-of-pocket costs that results from an accident or injury.
- No medical questions or exam required
- 24-hour continuous coverage, with family coverage available
- Variety of benefit offerings, including Non-Professional Organized Sports benefit, and AD&D benefit
A 30-year-old man injures his back at home, resulting in an ER visit, hospital stay and ongoing physical therapy treatments.
Total Benefit Payout:
$3,625*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
- Easy enrollment through a self-service platform
- Benefits are paid directly to the insured and can be used however they see fit
- Fast payment with simplified claims process
Critical Illness Insurance provides a lump-sum benefit to help cover the costs of a life-changing diagnosis and/or health event.
- No medical questions or exam required
- Family coverage available
- Support service coverages, including parent diagnosis and transportation(1)
A 45-year-old woman is diagnosed with invasive cancer.
Invasive cancer (100% of policy face amount) $20,000.
Total Benefit Payout:
$20,000*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
- Easy enrollment through a self-service platform
- Benefits are paid directly to the insured and can be used however they see fit
- Fast payment with simplified claims process
Hospital Insurance provides fixed payments to help manage costs arising from a hospital stay.
- No medical questions or exam required, plus HSA- compatible
- Family coverage available
- Maternity coverage with no waiting period(1)
A 55-year-old woman suffers a heart attack and is admitted to hospital and ICU.
Total Benefit Payout:
$5,600*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
- Easy enrollment through a self-service platform
- Benefits are paid directly to the insured and can be used however they see fit
- Fast payment with simplified claims process
Life Insurance provides income replacement and financial security after an untimely death.
- Accelerated Death Benefit offering for terminal illness
- Accidental Death & Dismemberment (AD&D) Benefit with additional package options
- Comprehensive support services, including Travel Assist(2) and Empathy Services(2)
Basic Life Insurance:
Employer-paid coverage that provides a financial benefit to an employee’s designated beneficiaries in the event of the employee’s death. While it’s not meant to replace long-term income, it can help cover immediate expenses and ease financial stress during a difficult time. Coverage is often provided as a lump sum or a multiple of the insured employee’s salary.
Supplemental Life Insurance:
Employee-paid coverage that provides an additional financial benefit on top of employer-sponsored Basic Life Insurance. It helps employees increase the financial protection available to their designated beneficiaries in the event of the employee’s death. Through this coverage, employees can help replace a portion of lost income for their beneficiaries and may elect life insurance coverage for spouses and children.
Voluntary Life Insurance:
Employee-paid coverage that provides a financial benefit to an employee’s designated beneficiaries in the event of the employee’s death. It helps employees increase the financial protection available to their beneficiaries and can help cover immediate expenses or replace a portion of lost income. Coverage is elected and paid for by the employee through convenient payroll deductions and may include guaranteed issue amounts with no underwriting requirements up to certain thresholds.
45-year-old male and the primary earner in his household, passes away unexpectedly.
Basic Life payout of
$15,000*
Supplemental Life payout of
$100,000*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
- Guaranteed issue coverage – no underwriting or lab tests in most cases
- Flexible options including family coverage, portability, and HSA compatibility
- Fast payment with simplified claims process
Disability Insurance helps replace a portion of lost income after a covered disability.
- Employer FICA Match and Travel Assist Services(2)
- Mental Illness and Substance Abuse Coverage
- Optional group benefits for Long-Term Disability
Short-Term:
Helps employees replace a portion of their paycheck while they are out of work due to a covered illness, injury, or even recovering from childbirth.
Long-Term:
Replaces a portion of an employee’s paycheck if they are unable to work due to a covered illness or injury for an extended period of time.
Short-Term Disability Insurance example:
28-year-old female gives birth via cesarean section and is approved for 12 weeks of maternity leave.
60%
of her weekly earnings for 12 weeks (beginning after her elimination period)*
Long-Term Disability Insurance example:
54-year-old male can no longer perform his job duties due to a cancer diagnosis.
60%
of his monthly earnings, up to his plan’s monthly maximum for the extended length of time on the policy*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
- Guaranteed issue coverage – no underwriting or lab tests in most cases
- Coverage available for full-time employees, part-time employees, and retirees
- Fast payment with simplified claims process
Seamless claims. Better member experience.
Deliver a better benefits experience with EssentialPay(3), BCS’s seamless claims integration approach. Members are automatically alerted when a qualifying claim is received, and claims can even be submitted on their behalf.
Easy Implementation and Employee Enrollment
BCS Gateway simplifies the enrollment process with a convenient, no-cost solution that helps reduce administrative burden, streamline enrollment, and create a better experience for you and your employees.
Have questions? We have answers.
Accident Insurance is a supplemental health insurance product that helps employees pay for out-of-pocket medical and non-medical costs from an accident or injury. This insurance product is separate from a primary health plan and provides lump-sum cash benefits that are paid directly to the insured employee, not doctors or hospitals.
Critical Illness Insurance is supplemental to a primary health plan and helps employees pay for out-of-pocket medical and non-medical costs resulting from a critical illness diagnosis. The plan provides lump-sum cash benefits that are paid directly to the insured employee, not doctors and hospitals.
Hospital Insurance pays benefits when an insured employee is confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy. The plan provides payment for each day spent in the hospital, and for some other qualified expenses as well. That money can be used however the employee chooses whether for hospital bills or other costs that come up during recovery.
Provides income replacement and financial security for an employee’s beneficiaries after an untimely death.
Provides income replacement and financial security for employees who are unable to work due to a covered illness or injury.
Major medical insurance pays for doctors and hospitals. Our coverage is designed to provide cash benefits, unless otherwise assigned, that employees can use to help with daily expenses when they are injured. These benefits can help employees and their families manage unexpected expenses associated with recovery.
Payments are made directly to the insured or designated beneficiaries, and can be used to supplement income, pay for medical expenses, and more.
Have more questions?
(1) Not all products and benefits available in all states. Exclusions may apply. See policy certificate for details.
(2) Value-added services mentioned above are offered through vendors that are not affiliated with BCS EssentialCare, 4 Ever Life Insurance Company, or BCS Insurance Company (collectively, “BCS”), and the services provided are not insurance. The services provided are separate and apart from the insurance provided through BCS EssentialCare policies. BCS is not responsible and assumes no liability for the goods and services, including any care or advice provided by such vendors, or described in this material. BCS reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. For more information, see your specific policy documents.
(3) EssentialPay: Not available across all product lines. EssentialPay is not a guarantee of claims payment. Claims will be reviewed for potential benefits and paid subject to the terms and conditions of the group policy documents. Additional medical records and proof of claim may be required.