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EMPLOYEE BENEFITS

Employee benefits represent a significant percentage of your company's operating budget, so it's important to spend those dollars wisely. Unfortunately, rising health care costs are likely to continue having a detrimental impact on the bottom line for years to come. Mutual Insurance works with you to find solutions to your employee benefit challenges by designing and implementing high quality, cost-effective programs that meet the needs of a diverse workforce.

Individual Health:

Mutual offers an array of affordable health care plans and additional products and services to ensure your individual health care coverage needs are met.

Group Health:

Mutual offers a variety of group medical, hospital, dental, prescription drug, vision and managed mental health coverage options [please confirm] that you can choose among to give your employees quick and easy access to affordable, high-quality health care.

Short-Term Disability:

You hope your employees will never have to face a debilitating illness or injury, but if they do, a short-term disability program from Mutual can help safeguard their incomes and offer support until they're able to come back to work.

Long-Term Disability:

Long-term disability insurance picks up where short-term disability leaves off, and the income protection it provides can be a valuable employee benefit. Almost half of mid-size to large employers provide long-term benefits for at least five years. Typical group long-term disability benefits start when short-term benefits are exhausted and replace about 60 percent of salary. Let Mutual help you determine the right program for your company.

Travel Insurance:

Short term medical and life insurance with various plans available. Obtain quote and apply online at: https://www.worldtrips.com/quotes/default.asp?referid=9870SS12


DISABILITY
Jefferson Pilot
www.jpfinancial.com
Principal Financial
www.principal.com
Unum Provident
www.unum.com

HEALTH
Blue Cross
www.bluecrossca.com
Blue Shield
www.bscalife.com
California Choice
www.calchoice.com
Healthnet
www.healthnet.com
Kaiser Permanente
www.kaiserpermanente.org
Pacificare
www.pacificare.com
Smile Saver Dental
www.smilesaver.com