We leverage our buying power to find the best value in health and welfare benefits. Whether that value is found in one vendor or multiple vendors, members use one enrollment system and receive one bill for all coverage provided through the SBC.
The Statewide Benefit Cooperative goes beyond medical insurance and can offer your company a broad array of products to round out your benefit plan.
For the same reasons that buying your medical insurance through the Statewide Benefit Cooperative is such a great business decision.
|More Than 78%||Dental insurance is one of the most desired employee benefits. More than 78% of employees believe dental benefits are “very important or important” when considering taking a new job.1|
|One Out of Every Two||One out of every two foreclosures is due to a disability.2|
|Just 47%||Most employees are un- or under-insured: just 47% of Americans have adequate life insurance protection.3|
|Only 29%||Only 29% of employees in private industry have access to vision care benefits.4|
|Two-Thirds||Two-thirds of employees agree that having a good employee benefits plan encourages them to work harder and perform better.5|
Group dental insurance, one of the most desired and used employee benefits, promotes oral health and also contributes to good overall health. The Statewide Benefit Cooperative offers a strong product portfolio and benefit flexibility. These feature a range of deductibles, coinsurance and maximums, combined with one of the nation’s larger provider networks, to help you design a benefit that is right for your company.
Group Disability insurance protects one of an employee’s most valuable assets – the ability to continue to earn an income in the event of illness or injury. These unbundled, flexible and affordable products let you design a personalized disability program to meet your needs and the needs of your employees.
- Short-term disability (STD)
- Long-term disability (LTD)
- Integrated disability insurance
Group life insurance provides a foundation of coverage that meets basic employee needs, such as funeral and other expenses. This broad portfolio of life products offers a variety of solutions for your needs and your employees’ needs, as well as the immediate needs of employees’ survivors.
- Group Term Life
- Accidental Death & Dismemberment (AD&D)
- Dependent Life
With vision insurance, employees have easy and affordable access to vision care. The group vision insurance offered by the Statewide Benefit Cooperative helps employees pay for basic eye exams and vision aids. You can choose from standard designs that will meet your needs and the needs of your employees. Plus, vision insurance is an employee benefit that’s easy to administer and easy for employees to understand.
To add additional insurance products to your benefit plan, contact:
Capstone Benefits Group
317.328.7880 ext 144
The following services * are available with the non-medical products offered by the Statewide Benefit Cooperative.
Epic Xylitol Dental System – discounts on Xylitol products including gum and mints. Xylitol is a natural sweetener that inhibits cavity-causing bacteria.
Weight Watchers – discounts on weight loss services.
Quitline ® – discounted access to the American Cancer Society’s telephone-based tobacco cessation counseling program.
Laser Vision Correction Discount – through the National Lasik Network, which is administered by LCA-Vision, Inc., significant savings are offered on one of the most frequently performed elective surgeries in America.
Principal Health News (SM) – Offering a wealth of information to manage your health and well-being, Principal Health News, brought to you by Caremark, has something for everyone. Interactive quizzes, a nutritional toolbox and health assessments are all available in the Cool Tools, as well as animated guides and information on children’s health.
Beneficiary Services – group term life insurance beneficiaries with proceeds of $5,000 or more receive benefits in an Interest Draft Account and have access to a Financial Services Hotline to help them with their future financial security needs. Grief Support Services are also available.
VSP Access Plan – discounts on vision products and services received through VSP providers for employees with dental and vision coverage.
* These services may be changed or discontinued at any time at the discretion of Principal Life Insurance Company, a member of the Principal Financial GroupÒ (The PrincipalÒ)