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Medical: CIGNA Choice Fund®
CIGNA Choice Fund® gives you a wide variety of programs and services that can help you get the most from you plan while improving your health and well-being.
Pharmacy: Managed Pharmacy Program
Our prescription drug plans give you access to more than 52,500 national and independent participating pharmacies to get your prescriptions filled.
Life: Term Life
Term Life offers valuable coverage during a period of greatest need—while you are still working and earning an income and building for your future.
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CIGNA Group Insurance products fill the benefit needs of trade associations
Each program features:
- products specifically designed for employers with as few as two employees
- competitive benefits and rates
- simple installation and administration by qualified third-party administrators
- excellent service
- customized marketing materials
Products you'll want to offer to your trade association clients:
- Long-Term Disability (LTD)
- Term Life Insurance
Next (Long-Term Disability) >
CIGNA Long-Term Disability Insurance protects your clients' association members
Here are our product highlights and features:
- eligible employer groups: association member firms with two or more employees (within eligible Standard Industrial Classification codes)
- benefit amounts: $50 to $6,000 per month (not to exceed 60% of earnings)
- benefit durations: five years or to age 65
- elimination periods: 90 or 180 days
- integration of benefits with Social Security, Workers' Compensation, etc.
- employer pays at least 50% of employee's premium; payroll deduction for employee's contribution
- a partial-disability benefit is also available
- definition of disability:
- "own occupation" for first two years
- "any occupation" in subsequent years
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CIGNA term life insurance that works for trade associations
Here are our product highlights and features:
- eligible employer groups: association member firms within eligible Standard Industrial Classification (SIC) codes with two or more full-time employees
- benefit amounts: up to three times basic earnings with a $100,000 maximum
- family-coverage option
- five-year age-banded rates
- employer pays at least 50% of employee's premium; payroll deduction for employee's contribution
- guaranteed issue available
- up to $50,000 based on the number of eligible employees
- no medical underwriting for eligible employees who sign up within 30 days of eligibility
- benefit options:
- accelerated benefit for terminal illness
- accidental death and dismemberment
- common-carrier benefit
- conversion
- seatbelt benefit
Next (Meeting Needs) >
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