“Why offer insurance to my employees?”
Protect Your Employees & Business
Policies covering lost wages and more can keep your employees and business from financial harm.
Gain a Competitive Edge
Robust offerings can help you attract and retain talent while creating a culture of trust and care.
Maximize Your Tax Benefits
Your plan may enable you to deduct premiums from your taxes, strengthen your credit, and more.
Why Pacific Guardian Life?
As Hawaii’s largest domestic life and disability insurer, we offer a variety of insurance solutions to support the protection and growth of your business. With 60+ years in the industry, our solutions are developed and calibrated to meet your needs.
Temporary Disability Insurance (TDI)
Employees who have lost wages due to off-the-job sickness or injury can use this wage replacement program to partially replace their lost wages. With few exceptions, all employers in Hawaii with one or more employees (full-time, part-time, or temporary) are required to provide disability benefits for their employees.
Long Term Disability (LTD) Insurance
This policy provides your active employees with an income stream if they should become disabled and unable to work. Typically, LTD begins when short-term disability or temporary disability payments stop.
Group Term Life Insurance
Renewable term insurance is a common employee benefit that provides a way for employers to offer affordable life insurance to their employees. Optional add-ons include Voluntary Term Life Insurance, Voluntary Accidental Death, and Dismemberment Plus Insurance.
Key Person Life Insurance
In the event that an employee who is vital to the continued success of your business should pass away, this solution offers compensation for their loss. The employer owns and is the beneficiary of the policy, paying the life insurance premium that insures the key person’s life and, upon their passing, receives the life insurance death benefit.
Executive Bonus Life Insurance
This solution allows you to provide a key employee or business owner with life insurance as a bonus. The employer pays the premium while the key employee or business owner only pays the income tax on the bonus and retains all rights to the policy.
Frequently Asked Questions
For most employers in Hawaii who have one or more full-time, part-time, or temporary employees, a Temporary Disability Insurance (TDI) policy is required for your employees. This type of insurance covers some of an employee’s wages lost due to off-the-job sickness, injury, or pregnancy.
Pacific Guardian Life offers TDI to employers insuring employees residing in Hawaii; this plan may not be available to employees residing on the U.S. continent. Pacific Guardian Life makes no representations regarding an employer’s legal obligations under Federal or State employment and other applicable laws. Employers should contact their legal advisors for further information and advice regarding compliance with such laws. Pacific Guardian Life plans comply with applicable state laws. In some cases, state laws require amendments to the benefits described above. This is an outline and summary of standard plan provisions but does not reflect all state variations. The employer will be given certificates for distribution to each insured employee who describes their plan in detail. This is not the summary plan description required of certain employers by ERISA.
We work with more than 1,000 brokers, agents, and benefits consultants to ensure you find the plan that best fits your needs. Please reach out to your business insurance agent, broker, or benefits consultant for a quote. For more information on our employee benefits, please contact our customer service department.
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