Worksite

Worksite Benefit Solutions & Insurance Products

Employer & Benefit Manager

Worksite benefit solutions

Group short-term disability - Offer your employees coverage to help protect what they’ve earned. Our short-term disability insurance provides the assurance they need at no cost to you!

Key benefits

Competitive group rates that are guaranteed not to go up for 2 years
Two plans that give you the flexibility to choose coverage designed to meet your company's needs
Satisfied employees who get their claims paid promptly
Meet participation requirements and we automatically enroll with no health questions asked
Section 125 compatible

Group critical illness - Cancer, stroke and heart disease are all too common. But now you can cover the high cost of treatment and help ensure your employees can take care of all the other expenses of daily life during their treatment.

Key benefits

Lump-sum benefits up to $75,000
We pay upon initial diagnosis and recurring illnesses
Offers coverage for wellness benefits and screening tests
Gives your employees the option to cover the entire family
Optional premium-return rider

Accident insurance - Designed with the workplace in mind, our accident insurance offers accidental death and dismemberment plans to help increase your disability benefits package.

Key benefits

Coverage for accidents or injuries
Benefits for accidental death or dismemberment
24-hour, off-the-job or sickness disability plan options available
Offers benefits to help cover intensive care and emergency room expenses
Optional rider for public safety officials injured in the line of duty
Optional premium-return rider

Hospital indemnity - Give your employees additional coverage to help pay for expenses associated with hospital stays. Our hospital indemnity insurance addresses out-of-pocket costs, such as copayments, deductibles, transportation and lodging.

Key benefits

Lump-sum confinement benefit up to $2,500
Outpatient surgical benefit
Emergency room benefit and emergency travel benefits (optional rider)
Hospitalization daily benefit (optional rider)
Pet boarding rider

Cancer insurance - Conseco Solutions^® Cancer gives your employees lifestyle protection with a helping hand. Help your employees focus on their health by offering them our supplemental cancer insurance¹.

Key benefits

Express payment up to $10,000 upon initial cancer diagnosis
Coverage for cancer screening tests
Daily hospital confinement benefit
Surgery benefit
Radiation/chemotherapy benefit
Optional premium-return rider

Universal life insurance - Our universal life insurance provides your employees a way to accumulate cash value and earn interest on a tax-deferred basis.

Key benefits

Permanent life insurance coverage
Coverage available for employees, spouses, children and grandchildren¹
Family members can get coverage even if the employee doesn't
Accumulation on an income tax-deferred basis
Short, simple application to ease the enrollment process
Advance payment upon diagnosis of a terminal illness

Section 125/132 plans - The key to a good benefits package is enabling your employees to pay for coverage on a pre-tax basis. Our Section 125/132 plans help reduce your payroll taxes—while increasing your employees’ take-home pay. Offered by Conseco Worksite through P&A Group.

Section 125 Cafeteria plan

Allows group participants to contribute on a pre-tax basis toward the cost of insurance and other benefits
Offered as a premium-only plan or a full cafeteria plan with a flexible spending account

Section 132 plan

Allows employees to pay for work-related travel and parking expenses with pre-tax dollars
Employees can budget for their ongoing commuting expenses

Individual - Worksite insurance products

Group short-term disability - If you become injured or disabled, you can lose time at work. More important, you can lose your paycheck. Conseco Wage Guard^SM short-term disability insurance helps you ensure you and your family have what you need for everyday expenses.

Key benefits

Prompt payments when the covered sickness or disability occurs
Weekly benefit payment amounts up to $1,700
Premium payments waived while you receive disability payments
Employer determined benefit periods of up to 24 months

Group critical illness - Each year, millions of Americans are diagnosed with a critical illness. The good news is that more people are surviving. However, many of the costs of care and treatment must be paid out of your own pocket in addition to your normal expenses of life.

Conseco Worksite Critical Illness can help protect your family, finances and future.

Key benefits

Coverage for today’s most common critical illnesses—including heart attack, stroke and cancer
Benefit amounts of $5,000 to $75,000 payable upon first diagnosis of illness
Wellness benefits and coverage for screening tests
Coverage for the entire family
Recurrence Benefit
Optional premium-return rider

Accident insurance - Major medical plans may cover only routine medical expenses for accidents and disability, leaving nearly all other expenses for you to pay out of your own pocket. Accident Secure^SM Plus can help cover those unexpected costs for you and your family.

Key benefits

Option to cover off-the-job injuries not addressed by worker's compensation
Some benefits provided include transportation, physical therapy, emergency room visits and more
Optional rider for public safety officials injured in line of duty
24-hour benefit option covers you all day, every day—even while you are at work
Sickness Disability rider
Optional premium-return rider

Hospital indemnity - Even the briefest stay in the hospital is expensive. When you need care, your first concern should be getting better. That’s why our hospital indemnity insurance helps pay for the expense associated with a hospital stay.

Key benefits

Helps protect you against cost your current major medical insurance might not address
Provides lump-sum hospital confinement benefit up to $2,500
Offers outpatient surgical benefits
Provides a benefit for emergency room visits
Optional pet boarding rider to take care of your "best friends" while you're away
Hospitalization Daily Benefit (optional rider)

Cancer insurance - Conseco Solutions^® Cancer can help pay for the nonmedical expenses and insurance shortfalls associated with the diagnosis and treatment of cancer¹.

Key benefits

Express payment up to $10,000 upon initial cancer diagnosis
Coverage for cancer screening tests available
Daily hospital confinement
Surgery benefit
Radiation/chemotherapy benefit
Optional premium-return rider

Universal life insurance - You strive each day to create a comfortable lifestyle for yourself and your family—providing all the necessities and a few special luxuries for the people you love most. Worksite UL2 provides valuable universal life insurance protection to help you care for those who care about you.

Key benefits

Permanent life insurance coverage
Coverage available for employees, spouses, children and grandchildren¹
Employee participation not required for coverage on other family members
Advance payment upon diagnosis of a terminal illness
Cash value accumulation on an income-tax deferred basis
Portable at the same premium rates

¹ In certain states, this insurance is available only to members of the Lindsay Rowen Wenk Foundation.

Conseco Health Insurance Company is licensed in all states except CT, MA and NY. Conseco Insurance Company is licensed in all states except NY.

Conseco Worksite is a dedicated sales division of the Conseco insurance companies specializing in workplace-related insurance products. All products mentioned on this Web site are issued and underwritten by the Conseco Health Insurance Company and Conseco Insurance Company, a life and health insurance company.

This Web site should be considered an advertisement and is not a contract. Products and services mentioned in this Web site are only valid for distribution in the United States of America and may not be available in all states.

These policies have limitations and exclusions. For costs and complete details of coverage, contact your agent.

Most riders are optional, may have an additional cost, and are subject to state availability. Contact your agent or refer to the policy for details.

A hospital is not a hospice; skilled nursing facility; nursing home; extended care facility; convalescent home; rest home or a home for the aged; sanatorium; rehabilitation center; place for the treatment of substance abuse; or a facility for the care and treatment of mental disease or mental disorders.

Available in: AL, AK, AZ, AR, CO, DE, DC, HI, IL, IN, IA, KS, KY, LA, ME, MI, MO, NE, NV, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VA, VI, WV, WI.

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