Employers located in New York, New Jersey, Rhode Island, California, Hawaii and Puerto Rico are required by law to provide short term disability coverage to their eligible employees who are unable to work due to a non-work related injury or illness.
Business Travel Accident
Insurance can be obtained for coroporate employees that travel on business (locally or abroad). This coverage can be provided while traveling to and from company business meetings, during the meeting itself or for the entire duration of the trip including personal travel. In the event of an insured's accidental death or dismemberment while on a business trip, travel assistance services can easily be accessed by contacting your carrier's toll free emergency assistance telephone number. Travel assistance services include medical and legal referrals, emergency evacuation, repatriation of remains as well as emergency messaging or emergency cash.
International Medical for Students (Inbound & Outbound)
Comprehensive international health insurance and travel coverage can be secured for international students studying in the U.S. or U.S. students studying abroad, at competitive rates.
Basic Accidental Death & Dismemberment
An employer can purchase accident insurance for their full-time and/or part-time employees. Coverage is provided for injuries that occur on the job, at home or while traveling. Coverage is effective 24 hours a day, 365 days a year.
Voluntary Accidental Death & Dismemberment
Employees have the opportunity to purchase accidental death and dismemberment insurance coverage for themselves, their spouse and dependent children through automatic payroll deductions. High limits are available without Evidence of Insurability.
With insurance rates continually on the rise, J. Deutsch Associates finds the most competitive, affordable rates for life insurance benefits for your clients’ employees. Simply provide us with an electronic census that includes gender, date of birth and salary for each employee that is to be covered, and we will do the rest!
Short-Term Disability provides a portion of an employee’s lost income due to a non-work related injury, sickness or pregnancy. Short-Term Disability can be purchased as a standalone contract or as a supplement to statutory disability insurance.
Long-Term Disability helps replace income for an insured that is disabled and unable to work for an extended period of time. Flexible options are available for waiting period, disability definition and guarantee issue basis. LTD is available for both blue and white collar employees, and on a voluntary or non-contributory basis.
Accident health insurance is a type of insurance coverage that pays benefits for loss of income resulting from sickness, accidental injury, or accidental death. Most accident health insurance policies are riders on a basic health or life insurance policy, meaning they are added into a major policy, but this type of coverage can also be purchased singularly. Purchasing an accident health insurance policy may be a wise investment. The coverage is typically inexpensive and can be very beneficial to you or your family should you be involved in an accident. The amount of benefits that you receive depends on the terms of your specific policy.
Campers Accident & Sickness
This accident and sickness insurance is provided for all Cub Scouts, Boy Scouts, Venturers, Explorers, adult volunteer leaders, and all other persons registered and/or attending such events (e.g., summer camp, day camps,). It is purchased for specific events of the individual or group, and provides coverage for medical expenses for accident and sickness and accidental death and dismemberment. Additional information on coverage, limits, etc., may be obtained by contacting our office.
Special Risk Accident
Special Risk Accident Insurance provides accident protection for members of groups or associations participating in sponsored and supervised sporting activities or events, as well as club, church or civic group events or activities. Benefits include Excess Accident Medical, Accidental Death & Dismemberment and Temporary Total Disability. Maximum benefits, deductibles and benefit periods for Accident Medical coverage vary by request. This coverage is an excellent complement to general liability insurance which may be discounted with the existence of a participant accident program.