NAMIC Welfare Benefit Plan Products | Life / AD&D
Peace of mind and flexibility come with knowing your employees are covered in the case of life-changing events.
Group life and disability
Group life and disability products from Symetra Life Insurance Company and First Symetra National Life Insurance Company of New York help employees and their families recover financially after the loss of a loved one or a loss of income. We offer basic and supplemental group term life insurance with a flexible accidental death and dismemberment (AD&D) package, short-term and long-term disability insurance to help employees in the event of an injury or illness, and a fully integrated absence management program to ease the burden of administering employee time away from work due to leaves. Our flexible policy designs and consultative approach ensure you get the coverage you need at a price that fits your budget.
How we eliminate the noise
Collaborative approach
From implementation to claims, our collaborative approach fosters responsiveness and innovative problem solving to help make it simple for you to manage costs, increase productivity and expand your benefit offerings.
Streamlined implementation
Changing carriers doesn’t have to be complicated. Our high-touch implementation process keeps things simple with regular communication from your dedicated implementation manager so you’re never left wondering about the status of your policy. Working in tandem with your assigned account manager helps ensure a seamless transition from implementation to ongoing account management.
Dedicated account management
With Symetra group life and disability, you’ll always know who to call. Employers are assigned a dedicated account manager who will tailor their approach to your individual needs. Just think of them as an extension of your HR department. Whether you need plan and industry expertise, support for benefits fairs and enrollments or assistance with cost control, your account manager will be there to provide customized and personal service.
Proactive claims service
Not only is it easy to submit a claim by phone or online, but an acknowledgement communication is sent promptly. Then, our professional claims staff proactively reach out to gather the information needed to process the claim. Our hands-on claim practices help us to resolve claims quickly.
Seamless transitions from one type of leave to the next
Employees who file a disability claim are assigned a case manager who can help ensure a seamless transition if claimants move from short-term to long-term coverage. That same case manager handles the short-term disability and leave claims. We don’t outsource Family and Medical Leave Act (FMLA) claims. Our case managers monitor leave-related laws and regulations to ensure administration is consistent, accurate and aligned with current requirements.
Convenient online administration
With Group Online (GO) you can view life, disability and leave of absence claim details, calculate premium and submit payments, create customized reports for list bill accounts to quickly verify new and termed hires, and more. Employees also have 24/7 access to submit and check the status of their disability or leave of absence claims using our mobile-friendly portal, MyGO.
Value-add programs 4
Employees enrolled in Symetra group life and disability coverage will have automatic access to a network of professionals who can help with many of life’s challenges. From support following the loss of a loved one to travel assistance, an employee assistance program (EAP), identity theft protection and more — these programs complement the insurance benefits provided under our policy.
Group Supplemental Life Insurance
Why purchase supplemental group life insurance?
Should you die unexpectedly, losing your income could make a difficult situation even worse. That’s why more and more families understand that life insurance is pretty important.
In fact, now more than 87 million households own some form of life insurance. 1
Even if you already have insurance, your family could still experience a gap in coverage. With supplemental group life insurance coverage, you can help ensure you have the coverage your family needs while taking advantage of group rates.
Buy-at-work advantages
In addition to a group rate, buying supplemental life insurance coverage through your employer also means:
Less paperwork — just one simple enrollment form.
No medical questionnaires if you enroll during your initial eligibility period. 2
Payments are made through convenient payroll deduction.
Flexible coverage amounts to meet your family’s needs.
Group rates are still available even if you leave your job. 3
LIMRA’s 2016 Trends in Life Insurance Ownership study.
http://www.limra.com/Research/Abstracts_Public/PDF/2016/160927-01-opportunity-knocks.aspx?research_id=10737445710Up to the maximum guaranteed issue amount.
Availability varies by state. Contact your Human Resources department for more information.
May not be available in all states.
ABOUT SYMETRA
Since 1957, we’ve elevated people’s lives through retirement, employee benefits and life insurance products they trust to provide security and confidence.
60 Years | After 60 years in the business, we know our stuff. View our timeline to learn more.
$42 Billion | Our strength is backed by $42 billion1.2 in assets. Learn more in Symetra At-A-Glance.
"A" Excellent | Financial strength ratings assess our ability to meet obligations to policyholders. See how we measure up.
