• The Campus Way

    Setting the standard for design, communication and service.

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  • Suite of Benefits

    Managing your entire Suite of Benefits from start to finish.

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  • Turn-Key Solutions

    Designed to increase effectiveness of benefits while saving you time.

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  • The Benefit Process

    See our seven steps to providing you with exceptional benefits.

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  • Benefits and You

    The benefits you
    need and why
    you need them.

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Solutions Showcase

Major Medical.

Health insurance is normally at the top of the list and is usually the first area of coverage. However, what most people do not realize is that Vision Care and Dental Coverage should be included in their Major Medical package.

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Life & Disability.

Disability coverage is one of the most cost-effective ways to provide for the human and financial expense that occurs when an employee suffers a disability. Life insurance is there to protect the human and financial expenses for the loved ones after a death.

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Supplemental.

Supplemental coverage is largely voluntary benefits that protect an employee if there is a loss of income, basic living expenses, special needs, or coverage outside of their basic network. It is important to know how these benefits impact each stage of your life.

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Long-Term Care.

With the cost of healthcare on the rise, and the life expectancy of humans increasing, the need to plan for future care is critical. Long-Term Care planning is beyond just obtaining insurance but creating an overall plan for all your needs and those of your family.

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Health & Wellness

Live Well & Work Well Newsletter
A monthly newsletter on important wellness material, habits, and ideas.
November 19 is the Great American Smokeout; also in this issue: why keeping a family medical history is important, traveling with pets, how to save on home repairs and a recipe for a delicious Thanksgiving side dish!
Prevention Newsletter
A monthly newsletter on prevention of illness and continuing wellness activities.
This issue of the newsletter includes how to spot flu symptoms, facts about flu shots, prevention of the disease, and how to take care of a flu.
Savings Fitness Articles
Periodic articles on saving money and financial security.
It may seem close to impossible to pay off debt while saving money at the same time, but following the tips listed in this article can have those in the red feeling a lot better financially in as little as six months.

How do these benefits impact you?

Health
When determining the level of coverage, you must look to your family size, health concerns, healthcare needs, and costs. Younger healthy couples can live with higher deductibles, families with small children will need to consider immunizations, and older couples will need to look into plans that cover specialists.
Vision
Look to plans that cover all your needs: eyeglasses, contacts, and regular check-ups. For those in the older age bracket, you should look to plans that cover care for vision issues such as glaucoma and cataracts.
Dental
For a young couple, a basic dental package would work for regular check-ups. Families should look to plans that would cover orthodontics. Older couples should look to plans that cover crowns and dentures.
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How do these benefits impact you?

Life Insurance
Campus Benefits is skilled in evaluating the needs of the employees we protect and encourages all employees to have a plan for life coverage should the need arise. Depending on the stage of your life, the level of life insurance needed may vary. The recommended amount of life insurance levels vary based on the stage of your life and your family's needs. It is important to remember that life insurance typically provides for burial expenses, children's college education and other expenses. Evaluate your individual needs and select a life insurance plan that reflects those needs.
Short-Term Disability
Short-term disability coverage provides peace of mind when an employee is unable to use vacation or sick leave to cover a short disability. Generally used for various absences such as pregnancies or surgeries, short-term disability can be an asset in your suite of benefits. It is important to look to your lifestyle and situation to determine the best type of short-term disability policy.
Long-Term Disability
Long-Term disability coverage provides the coverage needed during a long-term absence from work and the loss of income that can occur. This is a very important part of your suite of benefits, especially if you have one or more dependents that live on your income.
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How do these benefits impact you?

Cancer Coverage
If you’re diagnosed with cancer, your finances will take a hit and will need added support, other than your general health coverage. Cancer insurance can be used to help pay for doctor bills, hospital expenses, prescription drugs, and indirect costs such as transportation, child care, and living expenses. The range of benefits provided by a cancer plan depend on the type of cancer policy you choose to fit your needs.
Critical Illness
Critical illness benefits also depend on the amount of coverage you choose to provide. It is important to look at factors such as age, overall health, and family lifestyle in determining the best fit for you.
International Medical
Although stated on page two of the United States passport, most consumers are unaware their medical coverage stops at the U.S. border. This leaves travelers vulnerable up to 100% out-of-pocket of medical expenses while traveling abroad. International Medical allows for consumers to travel with the peace of mind knowing they are protected.
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How to start Long-Term Care Planning?

Long-term care planning should be included in your retirement discussions; this is the point where you are the healthiest and can determine how much to put aside for you and your spouse’s long-term care needs.

Questions to consider:

  • The types of long-term care, what to expect and how to take care of each situation? Acute vs. Chronic or Skilled Care vs. Custodial?
  • Where will you receive long-term care?
    Options may include your family, your physician, a 'care coordinator', as well as who qualifies as a provider under a long-term care plan?
  • With numerous long-term care options available, what is the best policy for your needs and those of your loved ones?
  • Who will pay for your long-term care?

    1. Private Funding: How much will you set aside and how much will your family be able to support you if the need arises?
    2. Government Aid: Medicaid is a viable choice for some but is often considered undesirable to many because of the need to spend down their assets in order to qualify.
    3. Private Long-Term Care insurance: Private insurance is not for everyone, however, a proper long-term care policy can be asset protection, lifestyle preservation for you and your spouse, and a financial investment for your future.
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