Group benefits · Rumford, Rhode Island
Group benefits for Rhode Island employers
Medical, dental, vision, life and disability benefits for your employees, with enrollment meetings in English and Spanish. Gilbane works with Providence employers of different sizes.
What it covers
What group benefits cover
Group benefits Gilbane places for employers.
- Group medical, dental and vision. Health plans offered through the employer.
- Group life and disability. Life insurance and income protection for employees.
- Voluntary and worksite benefits. Employee-paid coverages offered at work.
- Enrollment support. Enrollment meetings and help for employees, in English and Spanish.
General information, not a policy. What a policy pays depends on its form, endorsements and limits, and on carrier underwriting.
Common gaps
What they do not cover
The exclusions and gaps that most often catch people out.
- Group size. Plan design depends on group size, and some products need a minimum number of enrolled employees.
- Portability. Group life usually ends when an employee leaves, unless the plan offers conversion or portability.
Rhode Island
Rhode Island specifics
For a small Providence employer, a bilingual enrollment meeting is often worth more to the staff than a richer plan design. Gilbane runs those meetings.
Rhode Island runs a state Temporary Disability Insurance (TDI) program funded through employee payroll contributions. Group disability coverage is usually designed with TDI in mind.
Before you call
What to bring to Gilbane
This lets a licensed agent quote like for like instead of guessing.
- An employee census: dates of birth, home ZIP codes and the coverage tier each wants.
- Your current plan summary and renewal notice, if you offer benefits now.
- How much of the cost you plan to contribute.
- The effective date you want.
Photograph the documents and text them, email them to info@gilbaneinsurance.com, send them on WhatsApp, or bring them to 428 Pawtucket Ave, Monday to Friday, 9:00 to 5:00.
Answers
Questions about group benefits
It depends on the product and the carrier. Some products need a minimum number of enrolled employees; we will tell you which options fit your headcount.
Yes. We run enrollment meetings and support employees in English and Spanish.
Rhode Island's Temporary Disability Insurance program pays short-term benefits funded by employee payroll contributions. Group disability plans are typically designed around it, so ask us how a plan coordinates with TDI.
Next step
Talk to a licensed agent about group benefits
Start a quote online, or call the office on Pawtucket Ave, Monday to Friday, 9:00 to 5:00. Se habla español. There is no fee for a quote.
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