Group Products
HM Worksite Advantage
Product Highlights
Our Worksite Products
HM Insurance Group offers innovative Critical Illness, Accident, Disability Income, and Term
Life plans—and HM Care Advantage, a limited benefit medical plan—to help
employers and employees fill health risk gaps in their employee benefit programs.
Our Portfolio Blends the Key Features of Group and Worksite Insurance Plans to Create Hybrid Plans That Allow for:
- Simplified issue or no underwriting
- Guaranteed issue—no evidence of insurability required
- Dependent and spouse coverage
- Premium rates are based on issue age*
- Group composite rates are available
- Critical Illness covers dependent children at no additional cost
- For HM Care Advantage, the option to buy dependent-only coverage
* Disability Income premium rates are based on attained age.
Common Features Include:
- Guaranteed issue amounts are available for all group sizes when participation requirements are met
- Policy can be issued to a minimum of 10 covered lives
- Eligibility requirement is 15 hours worked per week
With HM Worksite Advantage plans, employees can use their benefit payments for any expenses at their discretion.
HM Worksite Advantage Is Designed to Deliver:
- Flexibility—giving choices in plan design and benefit amounts to help employers to offer plans that best meet the needs of their employees
- Simplicity in design—to help employees understand what they are buying
- Full-service enrollment, administration and billing support
