EMPLOYEE BENEFITS
Protect paychecks when life happens.
Group term life, AD&D, and short- and long-term disability: employer-paid, voluntary, or both.
- OPTIONS
- Employer-paid or voluntary
- LIFE
- 1–2× salary or flat amounts
- STD / LTD
- 60% income replacement typical
- UNDERWRITING
- Guaranteed issue at enrollment
WHAT'S COVERED
- 01Group term life. A benefit paid to beneficiaries.
- 02AD&D. Added coverage for accidental death or injury.
- 03Short-term disability. Income for weeks-long illness or injury.
- 04Long-term disability. Income replacement for extended absences.
COMMON QUESTIONS
- Is employer-paid life taxable?
- Coverage above $50,000 creates imputed income; payroll handles it automatically.
- What's voluntary coverage?
- Employees pay through payroll deduction at group rates.
- Can I bundle this with other coverage?
- Yes. One application covers every line we quote, with one renewal calendar and one advisory team.
- Does Worklio payroll help?
- If you run payroll on Worklio HCM, we pre-fill company details, headcount, and payroll data. We also work with any other payroll provider.
WHAT AFFECTS YOUR PRICE
- 01Ages and salaries of covered employees
- 02Benefit amount (flat or multiple of salary)
- 03Elimination period for disability
- 04Employer-paid vs voluntary
HOW WE QUOTE IT
APPLICATION
Employee census + group application
WHAT TO HAVE READY
- Employee census with salaries
- Current certificates, if any
- Classes of eligible employees
On Worklio HCM? Payroll and headcount data are pre-filled.
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
