Services

Financial Security When It Matters Most

At The Benefits Shop, we offer affordable insurance and legal protection solutions that help individuals, families, and businesses stay financially secure when it matters most. From major medical to critical illness, from life insurance to legal and identity theft protection, our plans are designed to ease the burden of unexpected events—so you can focus on your business and your employees can focus on their recovery.

This benefit gives you breathing room in a moment of crisis.

Critical Illness Insurance

A serious illness doesn’t just affect your health — it affects your finances, your family, and your focus. This coverage provides a lump sum cash benefit when you need it most.

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Covers up to 12 different illnesses, including Alzheimer’s and Parkinson’s
Triple Benefit Protection: Each family member can receive up to 3x the face amount
Pays cash directly to you
Use the funds for anything — from medical bills to holistic care

Personal Story

In 2021, I was diagnosed with Stage 3 colon cancer. I chose a holistic healing path, which came with significant out-of-pocket costs. I didn’t have critical illness coverage — and I wish I had. It would have made a world of difference.

Suffered a concussion? Undergone physical therapy? Used crutches? Gone to urgent care?

Accident Insurance

Accidents happen unexpectedly anywhere, and this coverage helps ease financial stress by covering costs like hospital stays, emergency room visits, and rehabilitation following an accidental injury.

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Pays cash directly to you, not the hospital
Funds can be used for any expense — medical bills, rent, groceries, or time off work
Coverage available for individuals and families

Sports Package Highlight

If you or your children are injured while participating in organized sports, your benefits are boosted by 25%, up to $1,000 per person, per year.

Protect your paycheck and your peace of mind.

Disability Insurance

No one plans on becoming disabled, but just in case, we’ve got you covered.

Disability insurance protects your income if you’re too sick or injured to work.

More Than Just Income Protection.

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Pays a portion of your income directly to you for off-the-job accidents and illnesses, with funds usable for everyday expenses
Covers mental health and substance abuse, with waiver of premium included
Optional first-day hospitalization/surgery coverage available
Fully customizable with flexible duration and elimination periods

Why It Matters:

– 1 in 5 workers worry about becoming disabled, but only 14% have coverage (Life Happens & LIMRA, 2021 Barometer)
– 1 in 4 20-year-olds will experience a long-term disability (Social Security Administration)

This benefit adds a financial cushion when it’s needed most.

Hospital Indemnity Insurance

Hospital stays are expensive. This plan pays cash directly to employees for covered hospital stays — due to accident or illness — so they can recover without financial stress.

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Hospital admission & daily confinement
ICU & rehab unit stays
Surgery, lab tests, diagnostic exams
Physician office visits and screenings

Why It Matters:

– $13,262 – average cost of a hospital stay (debt.org, 2023)
– $1,735 – average deductible for single coverage (KFF.org, 2023 EHBS)
– 56% of Americans couldn’t cover a $1,000 emergency (Bankrate, 2024)
HSA Compatibility Note: An HSA-compatible version is available for groups with 50+ eligible employees and 10+ enrolled. Without this, employees with HSAs may lose eligibility. Ask us about plan design options.

This coverage provides more than just peace of mind — it helps families stay afloat when life takes an unexpected turn.

Universal Life Insurance

Universal Life Insurance offers permanent protection with built-in flexibility, so your employees can protect what matters most — even after they leave the job. For just a few dollars a week, this policy helps create long-term security for themselves and their families.

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Coverage available for spouses, children, and grandchildren — even if the employee doesn’t enroll
Cash value grows at a guaranteed interest rate
Includes Accelerated Benefits Rider at no extra cost
Portable coverage that stays with employees if they leave or retire.

Why It Matters:

According to the 2023 Insurance Barometer Report, 4 in 10 U.S. households would struggle to pay living expenses if the primary wage earner passed away. And nearly half of Americans say they’d face financial hardship within 6 months of losing a breadwinner.
Real Value for Everyday Budgets:
– Age 30: $8.43/week → Guaranteed cash value of $11,305 at age 65
– Age 40: $11.96/week → Cash value of $11,300 at age 65
✨ That’s protection for the price of a weekly latte.
Sources:
1. 2023 Insurance Barometer Report, Life Happens and LIMRA
2. LIMRA, Life Insurance Awareness Month Report, Sept. 2024

Financial Security When It Matters Most

Legal/ID Shield

Empower Your Team with Affordable Legal and Identity Protection At The Benefits Shop, we help you protect what matters most—your people. That’s why we offer LegalShield and IDShield as part of your employee benefits lineup. These services provide affordable, real-life support for legal issues, identity theft protection, and online security—available at no cost to you as the employer.

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Unlimited attorney consultations for personal and business needs
Identity theft monitoring and restoration services
Low cost per employee, easy to offer alongside other benefits
Legal Protection for Your Business, Too

Small Business Legal Plans for Brick & Mortar Owners

As a business owner, you face legal risks every day—contracts, compliance, customer disputes, debt collection, and more. Hiring an attorney on your own can be costly, but LegalShield’s Small Business Legal Plans provide ongoing legal support for a low monthly fee—so you can protect your business without the high hourly rates.

Need Lawsuit Protection?

You can also add a Trial Defense Supplement for less than $15/month, providing up to 100 hours of attorney time per year if your business faces a covered lawsuit.

Protect Your Business. Protect Your Peace of Mind.
 Let’s explore which plan best fits your business.

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Two Affordable Plan Options

Small Business Plus Plan – Ideal for small businesses wanting essential legal services for about $0.65 per work hour based on typical usage.
Small Business Pro Plan – A more robust plan offering expanded services for about $1.08 per work hour based on typical usage.

Foundational Benefits

Health Insurance + Core Protection (Health, Critical Illness, Life, Disability)

50% employer contribution required for Health Insurance (optional for all other products)

Helps cover major health and income risks first

Great first step for small businesses entering the benefits space

Enhanced Protection

Value-Added Enhancements (Dental, Vision, Accident, Disaster, Legal/Shield®, Wellness)

No employer contribution required (optional if you choose to contribute)

Adds extra layers of protection for everyday needs

Helps attract and retain top talent

Comprehensive Package

All-Inclusive Protection (Health, Core Protection, and all Enhancements)

Flexible contribution options based on your budget

Offers a full benefits suite like larger employers

Builds loyalty, satisfaction, and retention long-term