Commercial

Employee 

Benefits //

 

What does it cover?

  • Provides coverage to an employer for errors in the employer's administration of its employee benefit program.

    • Includes failing to enroll, maintain, or terminate employees in a plan and failing to correctly describe benefit plans and eligibility rules to employees.​

How is premium cost dervied?

  • Claims made policy (covers claims made during the coverage period)

  • A limit and a deductible amount is applied per employee.

Claim Example

  • The company hires a new employee.  The new employee requests medical insurance through the employer and the employer failed to add the new employee to the medical insurance plan.  The health insurance company denies coverage for the employer's claim.

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