Employers

Suite of insurance products

Benefits you want, coverage your employees need

Dental1

Regular dental care is one of the best ways to maintain a winning smile. It's also an important way to protect overall health. However, the costs for care can add up with preventive cleanings, exams and more serious procedures. Dental insurance can help.

  • An extensive nationwide network with more than 120,000 providers and 350,000 access points.
  • Comprehensive coverage with plans that include standard covered dental procedures, such as exams, x-rays, cleanings, fluoride treatments, fillings, root canals, crowns, bridges and dentures. 
  • 50%-60% savings on preventive, basic and major procedures when using in-network providers.

Find a dental provider

Vision2

Vision insurance can make visits to an eye doctor more convenient and less costly with savings on exams, as well as on frames and lens enhancements. We've partnered with VSP® Vision Care to provide access to a vision network and meet the needs of employees across the country.

  • Comprehensive coverage with plans that include regularly covered eye care procedures, such as exams, contact lenses and eyeglasses, as well as discounted fees on progressive lens enhancements.
  • Flexible plan designs can take into account employees' needs and price points.

Find a vision provider

Life3

Life insurance is an important part of any smart financial strategy. With the right life insurance in place, employees can help protect their loved ones and find the financial stability they need, when they need it most.

  • Flexible plan benefits and guaranteed issue maximums allow you to design a plan that fits your budget and your employees' needs.
  • Accidental Death & Dismemberment (AD&D) coverage can be included to provide additional benefits for losses due to accidents.
  • Some plans include a travel assistance program that provides access to a broad range of worldwide travel, emergency medical transportation and concierge services. 

Short- and Long-Term Disability4

Even with careful savings and planning, many people count on a steady paycheck to cover their monthly expenses. Unfortunately, it only takes a brief time away from work to upset the balance. Our disability insurance plans provide a portion of lost income for a period of time, helping alleviate the financial hardship.

  • Choose from basic or customized plan designs to meet employee needs  - employer-funded and voluntary plans available.
  • An easy telephonic intake for short-term disability claims reduces the need for paper forms and can help speed up the claims process.
  • Some plans include an Employee Assistance Program (EAP) that offers no-cost, confidential support for life's challenges.
Massachusetts Paid Family and Medical Leave (MA PFML)
Connecticut Paid Family and Medical Leave (CT PFML)

Accident5

When the unexpected happens, accident insurance can help employees manage the costs associated with injuries. With affordable group rates, our accident insurance can help enhance your benefits package.

  • 100% employee-paid option, with policies issued to a minimum of five enrolled employees or 10% of eligible employees, whichever is greater.
  • Robust benefit schedule that pays a direct cash benefit if employees or dependents are injured as part of a covered accident, with benefits payable regardless of other coverages.
  • Enrollment is simple. There are no health questions or limitations for pre-existing conditions. 

Critical illness6

With critical illness insurance in place, employees and their families can be better prepared for the unexpected, so they can focus on their health. Our critical illness plans can help enhance your benefits package at no additional cost. Covered employees, or an eligible family member, will receive a lump-sum cash payment if they are diagnosed with a covered condition.

  • 100% employee-paid option, with policies issued to a minimum of five enrolled employees or 10% of eligible employees, whichever is greater.
  • Plans can be customized to cover a range of conditions, including heart attack, stroke, cancer, benign brain tumor, paralysis and burns.
  • Enrollment is simple – there are no health questions required.
  1. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form MOEBP15DEN; AXEBP15DEN and state variations.
  2. This policy provides vision care limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The policy has limitations and exclusions.  Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy form MOEBP15VN; AXEBP15VN and state variations. Equitable is not affiliated with VSP®.
  3. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form/Contract ICC15 AXEBP15LI; ICC15 MOEBP15LI; MOEBP15LI; AXEBP15LI and state variations. Travel assistance services are considered non-insurance services and are provided by AXA Assistance USA, Inc. Equitable is not affiliated with AXA Assistance USA, Inc.
  4. These products only provide disability income insurance THESE POLICIES ARE NOT MEDICARE SUPPLEMENT PLANS. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The policies have limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy form/contract AXEBP15DI; MOEBP15DI and state variations. Employee Assistance Program (“EAP”) work/life services are provided by ComPsych® Corporation and may not be available in all states. Equitable is not affiliated with ComPsych® Corporation.
  5. This coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy form MOEBP19 ACC; AXEBP19 ACC and state variations. Availability is subject to state approvals.
  6. In some states, critical illness insurance is referred to as specified disease insurance. Critical illness insurance is a limited benefit policy. It does NOT provide basic hospital, basic medical or major medical insurance, and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act. The certificate has exclusions and limitations for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. Policy form MOEBP19 CI; AXEBP19CI and state variations. Availability is subject to state approvals.

All group insurance products are issued either by Equitable Financial or Equitable America, which have sole responsibility for their respective insurance and are backed solely by their claims-paying obligations. Some products are not available in all states.

ATTENTION NEW MEXICO RESIDENTS: All employee benefits products currently offered in NM are issued by Equitable Financial Life Insurance Company of America.

HIPAA  |  Legal

GE-3581613 (05/2021) (Exp. 05/2023)