Small Group Products
We know that offering employee benefits can be a big challenge for small business. That’s why Reliance Standard makes it easy. We’ve designed flexible, comprehensive benefit solutions so you can offer the benefits your employees want – at a price everyone can afford.
RSL SmartChoice® is available to groups with two to 19 lives, except where otherwise specified. Our Small Group Package incorporates Short Term Disability, Long Term Disability, Life/AD&D and Dental/Eye Care benefits. Employers may also select stand-alone lines of coverage from among most of these plans.
RSL SmartChoice Dental/Vision Plan Highlights:
- Groups of two through 19 lives (three to 19 unless sold with two other lines of RSL coverage)
- Three comprehensive dental plans
- Managed Care/PPO dental options
- Child/Adult Orthodontia option
- Vision option
- Takeover coverage available (Type 3/Major services)
RSL SmartChoice LTD Plan Highlights:
- $7,500 monthly maximum benefit
- Guarantee issue
- Benefit percentage of 60%
- 60, 90 and 180 day elimination periods
- 36 month own occupation definition of disability
- Pre-existing condition benefit payable up to 12 months (30% to $3,750)
- Rehabilitation benefit
- Survivor benefit (lump sum)
RSL SmartChoice Life/AD&D
Small Group Term Life Insurance plans are offered to active, full-time employees working a minimum of 30 hours per week year round (non-seasonal) who have satisfied the employer’s minimum service requirement.
RSL SmartChoice Life/AD&D Plan Highlights:
- Simplified enrollment
- Guaranteed issue of $50,000 for groups of two to five lives
- Guaranteed issue of up to $75,000 for groups of six to nine lives
- Guaranteed issue of up to $100,000 for groups of 10 through 19 lives
- Maximum benefit of $200,000
- Plan designs offered include 1X earnings, 2X earnings to a certain maximum, or flat amount of coverage for all
- All plans offer an equal amount of Life/AD&D
- Group life conversion privilege
- Waiver of premium provision included
- Accelerated death benefit
- Seat belt benefit included
RSL SmartChoice STD Plan Highlights:
- Guarantee issue
- Benefit options offered include 50%, 60%, 66⅔%, 70% or a flat amount of coverage for all
- Weekly maximum benefit of $1,500
- Pre-existing condition benefit
- Benefit for one period of disability paid from the first day of injury or from the eighth consecutive day of sickness
- Benefit duration of 13 or 26 weeks
- Plans are non-occupational and end at retirement
Participation Requirements
All eligible employees need to be insured when the life insurance program is 100% employer-paid. If the plan you select requires employees to contribute toward the cost, the following participation is required:
Number of Eligible Employees | Minimum Number of Required Employees Covered |
Two to five | All |
Six to nine | All but one |
10 through 19 | 75% |