Other Employee Benefits

We can help you provide a competitive benefits package that will establish you as an employer of choice —ensuring that you attract the best and the brightest employees.

Having the most talented employees working for you is your most valuable resource —and we can help you take care of them. Unlike other agencies, we contract directly with insurers, rather than using a brokerage house. This saves you money and helps ensure you get the exact package you desire.

Disability & Life

Disability & Life

Short-Term Disability Insurance

Short-Term Disability Insurance provides your employees a source of income on a short-term basis in the event they have or encounter a disability that prevents them from working. We’ll find the best solution from our selection of quality carriers, such as: Guardian, Highmark Life & Casualty, MetLife, and PMA.

Long-Term Disability Insurance

Long-Term Disability Insurance picks up where short-term disability insurance stops. Long-term disability insurance will provide your employees with income for a longer period of time. This time can range from 2 to 5 years, or until they retire. Should long-term disability insurance be an option for your business, we work with carriers such as Guardian, Highmark Life & Casualty, and MetLife.

Group Life Insurance

SMC Insurance Agency will work hard to find you the very best group life insurance policy with the lowest rate. Depending on the size of your business, we offer Group Life through Guardian, Highmark Life & Casualty, and MetLife.

Other Voluntary Benefits

Other Voluntary Benefits

Sometimes additional benefits, such as cancer expense protection or accident/disability protection, may be worth exploring for your employees. We offer these additional policies to complement your benefits package.

AFLAC Supplemental Insurance

This supplemental insurance offers you additional health care products and services through SMC Insurance Agency at exclusive premium rates and terms, including:

  • Section 125/Flexible spending accounts: An employee can put a portion of their earnings aside to pay for expenses, such as medical, dependent care, or other expenses.
  • Accident/disability protection: This protects an employee in the event of an unexpected injury or death in their family because of a disability or accident.

  • Cancer expense protection: An insured employee who is diagnosed with cancer can receive payments directly.
  • Intensive care protection: Benefits are paid when a covered person encounters a charge for an intensive care visit for a covered injury or sickness.

  • Hospital indemnity protection: Extra coverage is offered if an employee or a family member becomes hospitalized.
  • Group medical supplement protection: Coverage is offered for any “gaps” in medical care coverage.