Creating a Productive, Safe, And Drug-free workspace
Businesses large and small benefit from having a safe workplace environment. Employees are more productive and efficient with less absenteeism and turnover. The risk of workplace accidents and property damage are much lower in drug-free environments. To ensure businesses move forward and not backwards, we help our clients select candidates that true assets to their company.
Protecting Employees Ability To Generate An Income
The single most leading cause for bankruptcy in the U.S. is related to medical costs.
Underlying the epidemic is the inability of an individual to generate an income during a
health crisis, thus resulting in uncontrolled debt. Hence the reason we emphasis our
clients to protect their ability to generate revenue while running a business. None of us
are exempt from dealing with life events and sometimes willpower is just not enough to
help you navigate through a physical ailment or an emotional/mental health issue. A
negative impact on your business can slow you down significantly or even cause your
doors to shut all together.
Diagnostic Screening Options
As a business owner, you may not be able to afford missing an extended period of work because of an illness or injury. Even just a few months away may result in your company suffering a significant financial setback. Business overhead expense insurance provides monthly payment to cover everyday operating expenses so your business can continue to operate smoothly in the absence of a key contributor.
5 Panel Drug Test
This means payroll, payroll taxes as well as the employer contributions to employee benefits.
10 Panel Drug Test
Coverage for debt includes paying for accounting, billing, and collection services. It can also pay the cost of making installment payments on debt your business had prior to your disability.
Hair Follicile Test
Among covered business expenses are payments for your office’s rent or mortgage. Associated property taxes typically are also covered.
Alcohol Screening
Business overhead expense insurance benefits can be used to pay your property and liability insurance premiums as well.
Questions About Disability Insurance?
A Disability insurance policy covers about 60% of your income per month.
Believe it or not, 1 in 4 adults will experience a disability before they reach the age of 67.
Workers comp insurance only covers 5% of all disabling injuries and illnesses. It only covers you when you are at work.
Disability Insurance For Employees
Income Replacement Options
Pre Employment Drug Screening
Short-Term Disability provides income replacement for injuries or illnesses that result in a temporary loss of the ability to work. An employee and executives can receive up to 60% of their regular income (including commissions & bonuses). Typically benefits generally provides coverage for several week up but not exceeding 1 whole year.
Reasonable Suspicion Drug Testing
Serious illnesses and injuries can cause dramatic changes in health and result in long recovery times plus the loss of the ability to work entirely. Supplemental income may need to be established for several years in some cases.
Random Drug Screening
Another form of short term disability insurance that allows employees to take time off from work to care for a new child and not miss out on income while away from work.
DOT Drug Test
• Short-Term Disability provides income replacement for injuries or illnesses that result in a temporarily losing the ability to work. An employee and executives can receive up to 60% of their regular income (including commissions & bonuses). Typically benefits generally provides coverage for several week up but not exceeding 1 whole year.
DOT Physical
Serious illnesses and injuries can cause dramatic changes in health and result in long recovery times plus the loss of the ability to work entirely. Supplemental income may need to be established for several years in some cases.
Wellness Exam
Another form of short term disability insurance that allows employees to take time off from work to care for a new child and not miss out on income while away from work.
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