Employee Benefits
At Columbia Group, we support businesses of all sizes - from sole proprietors to national corporations in managing their employee benefits needs.
Our priority is to provide the most competitive quotes and cost-effective solutions, ensuring optimal value and coverage for employees and their families.
From plan selections to enrollment and implementation, we manage every detail with efficiency to guarantee a seamless process and a positive experience for both employers and employees.
Health Insurance
Employer-sponsored health insurance is a group health plan offered by an employer to help employees and their families cover medical expenses. Employers typically share the cost of premiums, making coverage more affordable than individual plans. These benefits often include access to a network of healthcare providers and a range of services such as doctor visits, hospital care, and prescription drugs.
Dental Insurance
Dental coverage helps employees cover the cost of routine dental care including preventive services like cleanings and X-rays, as well as more extensive procedures such as fillings, crowns, and orthodontics.
Vision Insurance
Vision insurance offered through an employer helps cover the cost of routine eye care, including exams, prescription glasses, and contact lenses. This benefit promotes eye health and helps reduce out-of-pocket expenses for employees and their families.
Life Insurance
Employer-sponsored life insurance is a group policy provided by an employer, typically at no cost to the employee. It offers a basic level of coverage—often a multiple of the employee’s salary—and may include the option to purchase additional coverage for the employee or their dependents. This benefit provides valuable financial protection for employees’ families in the event of an unexpected loss.
Accident Insurance
Accidental Death and Dismemberment (AD&D) insurance provides financial protection in the event of a serious accident resulting in death or the loss of a limb, sight, or other functions. Typically offered as a supplemental benefit to basic life insurance, AD&D pays a lump-sum benefit to the employee or their beneficiaries based on the nature and severity of the injury. This coverage offers added peace of mind by helping to offset unexpected financial burdens caused by accidental injuries or loss.
Short-Term Disability (STD)
Short-term disability (STD) insurance provides partial income replacement if an employee is temporarily unable to work due to a non-work-related illness, injury, or recovery from childbirth. Benefits typically begin after a short waiting period and last for a few weeks to several months, depending on the plan. This coverage helps employees maintain financial stability during periods of short-term medical leave.
Long-Term Disability (LTD)
Long-term disability (LTD) insurance offers income protection if an employee is unable to work for an extended period due to a serious illness or injury. After an initial waiting period—often following the expiration of short-term disability benefits—LTD provides a portion of the employee’s salary for a prolonged duration, sometimes until retirement. This benefit helps ensure long-term financial security during a period of extended medical leave.
Voluntary Life Insurance
Voluntary life insurance is an optional benefit offered by employers that allows employees to purchase additional life insurance coverage beyond the basic employer-paid policy. Employees can choose coverage amounts that suit their personal needs and may also have the option to insure their spouse and dependents. Premiums are typically paid through convenient payroll deductions at group rates, making it an affordable way to enhance financial protection.