Ancilliary Plans

	Fact: 10% of the workforce files a disability claim each year.
	Fact: this same 10% accounts for more than 50% of an employer’s health claims costs.
	Fact: Early Intervention, Absence Management and Return to Work planning alone can reduce lost time by 28%.
	Fact: Reducing lost time by 28% reduces health care claims by 40% and health insurance premiums by 20%.

A Benemax Ancillary Benefits package actively promotes wellness:

We partner with Fitness Works at Work to customize a wellness program for each employer.
We partner with an Employee Assistance Plan (no cost to the employer) to help employees manage stress and balance work/life responsibilites.
We partner with an Absence Management Company to coordinate care and facilitate return to work.

A Benemax Benefit Plan doesn't just pay your health care bills; it helps keep you healthy...or get you healthy again.

In addition, Benemax Ancillary Benefits can include all of the following special features, at little or no additional cost to the employer:

	Disability benefits that replace up to 100% of an employee’s take home pay
	Business Travel Accident benefits for all employees
	A life insurance schedule that maximizes tax advantage (triple tax free)
	Supplemental life insurance up to 5X salary
	A basic long term care benefit
	Supplemental long term care, guaranteed issue with a 35% group discount
	An Employee Assistance Plan (EAP)
	A Travel Assistance Plan: legal & medical referrals, medical evacuation

In Ancillary Benefits, as well as in Health Benefits, Benemax is the Innovation Leader.