Group Benefits

Health Insurance

Sterling Insurance works with corporate, non-profit, and government groups of all sizes to
provide the right group health solution.
We work with each company to customize its group health plan ensuring you receive the best options at the most cost-effective price. In addition to sophisticated and unbiased solutions, your organization obtains a human resources partner willing to provide the ongoing personal attention lacking in most other agencies.

Every group is different, which is why we take the time to find the most ideal plan for your organization. To learn more and to find out what we is available for you, simply fill out our Group Benefits form and Sterling will provide you with the details you need.
Group Health Benefits
Here are some of the advantages that we provide to our clients:
Benefit statements
Benefit booklets
COBRA Administration
Online Human Resources (HR) support
Online Benefits Administration
Personalized benefits counseling
Premium Only Plans (POP) - implementation and administration
Section 125 Cafeteria Plans
Flexible Savings Accounts (FSA)
Healthcare Reimbursement Accounts (HRA)
Healthcare Savings Accounts (HSA)
 

Short Term Disability

Sterling Insurance helps organizations determine the most effective
short term disability plan for their employees. 
 
STD give employees the security of knowing that if they become disabled, replacement income is available to help carry them financially through that period without seriously affecting their present lifestyle or jeopardizing their dreams for the future.

Loss of income due to a disability can be devastating. Today, it’s more important than ever for employees to protect their future income in the event they become disabled and unable to work.

Disability is more common than you might think and can happen to anyone – on the job or at home. Some common disabling events include: accidents, back pain, pregnancy, mental/nervous disorders, and digestive conditions. Are your employees prepared? Do they have adequate coverage?
Short Term Disability benefits we can help you secure:
  • Flexible disability benefit solutions
  • Superior customer service
  • Coverage for total and partial disabilities
  • Fair and objective claims review from an in-house staff of specialists
  • Smooth transition from Short-term Disability to Long-term Disability claim process
  • Several funding options, including Voluntary

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.
 
Consider this:

  • In the U.S., a disabling injury occurs every second
  • Nearly 90% of disabling accidents and illnesses are not work related
  • Over 60% of American workers are not covered by short-term disability insurance
Short Term Disability

​Long Term Disability

Sterling Insurance is adept at finding the right long term disability insurance
package for its client's group benefits plan.
 
A long-term illness or injury can strike at any time, affecting an employee’s ability to work and earn a paycheck. What will happen when an employee doesn't have the income to cover their monthly expenses?

No One Plans on Becoming Disabled

Unfortunately, disability strikes more often than you may think:
  • 3 out of 10 employees will experience an accident or illness that will keep them out of work for three months or longer
  • 50% of all mortgage foreclosures2 are linked to disability
Long Term Disability
Long Term Disability benefits we can help you secure:
  • Superior customer service
  • Competitive rates
  • Employer risk management
  • Lost-time costs management
  • Several funding options (employer-paid, employee-paid, and voluntary)
  • Fair and objective claims review from an independent network of board certified, practicing physicians
  • Seamless transition from Short-term Disability to LTD claim process
  • Customized Return to Work Program
  • Workplace Modification
  • Employee Assistance Program

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.
 
Security and Peace-of-Mind

When employees become disabled, many assume Social Security or Workers’ Compensation will cover them. This is not always the case. Many employees don't realize:

  • Not everyone on disability automatically qualifies to receive Social Security or Workers’ Compensation benefits
  • Social Security denies more than 60% of the claims submitted (employees who receive Social Security benefits often find the monthly payments fall far short of the income they are accustomed to receiving)
  • Over 90% of disabling accidents and illnesses occur off-the-job4 and, therefore, do not qualify for Workers’ Compensation benefits

Life Insurance

We can help your organization find the appropriate solutions for life insurance plans such as:

  • Group Term Life: Provides benefits to the beneficiaries if the covered individual dies during the defined covered period. 
  • Basic Term Life: Provides a scheduled benefit or multiple of earnings amount to an employees beneficiary in the event of the employee's death for a one year renewable term.
  • Supplemental Term Life: Offers employees the opportunity to buy flexible amounts of life insurance at group rates. Individual can meet his/her need for additional amounts of insurance at little or no cost to the employer.
  • Dependent Term Life: Allows employees to purchase term life insurance for their spouses and/or children at group rates.
  • Executive & Keyman Plans
  • Accidental Death and Dismemberment (AD&D): Provides coverage in the event of severe injuries, paralysis or death resulting from accidents on or off the job.

We help you secure:

  • Flexible plan designs
  • Several funding options
  • Superior customer service — Employer-paid
  • Easy enrollment — Employer and employee share cost
  • Competitive rates — Employee-paid (Voluntary)

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.
As businesses mature, the need to attract and retain quality employees becomes critical. Group life insurance should be an integral part of a organization's benefits plan. Sterling Insurance assists corporate, non-profit and government clients in finding the appropriate plan.

We know how much you value your employees and strive to optimize your benefit package. According to a recent study by MetLife, benefits satisfaction has been linked to employee retention, and also positively influences employee placement, job satisfaction, and loyalty.

Today, many families are financially strained, underinsured, and rely solely on their employer for protection.

Consider this:

  • 67% of employees live paycheck to paycheck.
  • 56% of married parents believe their current life insurance coverage is inadequate.
  • Today, insured adults are more likely to have only group life insurance obtained at work. Adults with only group coverage carry the smallest amounts of life insurance.
Life Insurance

Dental Insurance

Sterling Insurance can help employers find the cost-effective dental benefit plan necessary to help employees manage the cost of dental care for themselves and their families.

Dental Insurance
Dental benefits we can help you secure:

  • Preventive Services
    • Routine oral exams
    • Cleaning and polishing
    • Topical fluoride treatment for dependent children
    • X-rays
    • Emergency care to relieve pain
    • Sealants for dependent children
  • Basic Services
    • Lab tests and diagnostic exams
    • Oral surgery
    • Anesthesia
    • Routine/Surgical extractions
    • Therapeutic injections
    • Restorations
    • Alveolectomy
    • Stainless steel crowns
    • Space maintainers for dependent children
    • Denture and bridge repair
  • Major Services
    • Inlays, onlays
    • Crowns, other than stainless steel
    • Periodontics *
    • Endodontics *
    • Prosthetics, including bridges and dentures
    • Orthodontia Services

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.
Products include:

  • Copay plans
  • Traditional Plan
  • Base Plan with Buy-up Option
  • Voluntary dental
  • Graduating dental benefits
  • Full service dental for retirees
  • Indemnity plans

Vision Insurance

Sterling Insurance can help employers find the cost-effective vision benefit plan necessary to help employees manage the cost of vision care for themselves and their families.

Vision benefits are not just about the eyewear, they are about providing vision wellness to employees – a critical component of overall health. In the work-place, healthy vision is an important issue as it is linked to enhanced job performance, job satisfaction, and quality of life.
Why is vision care so important?

The reasons are clear! According to the Vision Council of America:
Vision problems are the second most prevalent health problem in the country

  • Every year, vision disorders account for more than $8 billion in sick days 
  • Eyestrain is the number one office related complaint
  • Uncorrected vision can decrease employee performance by as much as 20%
  • Employers gain as much as $7 for every $1 they spend on vision coverage

Vision plans, as well as dental plans, are common components
of group benefits plans.
Vision Benefits
Vision benefits we can help you secure:

  • Low member out-of-pocket costs
  • Covered-in-full exams and eyewear
  • Multi-year rate guarantee
  • Flexibility to choose frequencies, copay levels, and plan coverage levels
  • Laser vision correction benefit and discounts
  • No restrictions on eyewear selection
  • No-cost breakage warranty
  • No-cost replacement contact lens program
  • The largest paid-in-full selection of eyewear available
  • The freedom to visit any provider of their choice

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.

Long Term Care

Sterling Insurance provides access to long term care insurance plans that organizations can integrate into their overall group benefits offerings.

Most employees are not prepared to address the financial impact a serious illness or incapacity would have on their lives. With the U.S. Department of Health reporting that the average annual costs for nursing home care is about $75,000 for a private room, the effect of long term care commitments could be detrimental.

And this can have a negative impact on a company as well. An employee facing this type of situation can wreak havoc on their effectiveness and concentration directly affecting the company's overall well-being.

A long term care policy, as part of a company's benefits package, can protect employees and the company leading to a prepared and effective workforce.

To inquire about what options are available, you can fill out our online quote form or contact Sterling Insurance directly at 317-885-9105 or tom@sterlinginsgrp.com.
Long Term Care