Products and Services
At Indigo, our broad product portfolio features plans with competitive rates that can fit just about any business model. And we give business owners a great range of choices, including the option to offer voluntary coverage. Best of all, our one-stop shopping experience makes it easy for you to add life and disability plans with the highest level of security and reliability. Questions? Call your broker or call us at 617.246.6500 or 888.483.7083.
Products:
Group Term Life and Accidental Death & Dismemberment (AD&D)
Group Term Life provides coverage to a group of people under one contract for a specified period of time. This protection is designed to provide benefits to a designated beneficiary for loss of life if the insured dies while the policy is still in force.
AD&D is a companion product of Group Term Life insurance. This coverage provides additional benefits if a covered accident causes loss of life or dismemberment.
Dependent life
Employees' families need coverage too. Additional life coverage may be purchased for an employee's spouse and children at reasonable group rates. Coverage is available only if Group Term Life/AD&D is selected.
Group Short Term Disability (STD)
Short Term Disability coverage is invaluable and is designed to provide partial income replacement for eligible employees who become disabled as a result of accident or illness, including pregnancy. STD is available if Group Term Life/AD&D or Long Term Disability is selected.
Group Long Term Disability (LTD)
While some people could get by without working for two to three months, few people can afford to stop working altogether for an extended period. Long Term Disability coverage, often referred to as "paycheck protection," usually begins after the maximum benefit duration has been reached under a group Short Term Disability plan. Policy features include rehabilitation, family care credit, three-month survivor benefit, and workplace modification. Long Term Disability coverage is available if Group Term Life/AD&D or Short Term Disability is selected.
General Conditions:
- Eligibility: All full-time employees who work a minimum of 30 hours per week on a year-round basis may be covered. Coverage does not include temporary, seasonal, or retired employees.
- Employees must be actively at work on their effective date for any coverage to be effective.
- Dependents cannot be covered before the employee's effective date. If a dependent is totally disabled on the proposed effective date, the dependent's effective date will be delayed until no longer totally disabled.
- Evidence of Insurability (EOI) is required on Group Term Life/AD&D, STD, and LTD amounts in excess of the guaranteed issue and on all late applications for contributory insurance.
Medical & Dental
Complete your product portfolio with medical and dental coverage. Benefit from a single point of contact and save 4% on your Dental Blue premiums when you purchase 2 or more Group Term Life & Disability products.