ENHANCED EMPLOYEE BENEFITS SOLUTIONS FOR A GLOBAL MARKETPLACE
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1 ENHANCED EMPLOYEE BENEFITS SOLUTIONS FOR A GLOBAL MARKETPLACE Consolidated coverage options for both domestic and globally mobile employees of U.S.-based companies Corporate customers
2 ENHANCED EMPLOYEE BENEFITS SOLUTIONS FOR A GLOBAL MARKETPLACE U.S.-based companies are expanding internationally every day. In some cases, global expansion may involve just a few employees on work assignment outside their country of citizenship. In others, teams of employees may be working overseas. No matter the size of the global expansion, human resource departments are challenged with finding ways to manage costs, while maintaining attractive benefits programs for multiple classes of employees. In addition, companies need to find efficiencies in their benefit program that satisfy both domestic U.S. and internationally based employees. A well-structured global benefits program can help: Foster employees financial well-being Improve productivity Raise overall workplace satisfaction 2
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4 INNOVATIVE SOLUTIONS FOR A WORLD OF RISK Our corporate employee benefits program, called Zurich Benefits SolutionZ, is a single contract solution that provides comprehensive benefits at the local level, as well as for the globally mobile workforce. The program effectively addresses the needs of employees, while remaining aware of your organization s need to manage costs and remain compliant. It is structured to allow for a more streamlined way of managing business by providing a packaged, global approach to benefits, administration and compliance. Zurich Benefit SolutionZ offers a robust array of Group Life, Accidental Death & Dismemberment (AD&D), and Short and Long Term Disability benefits for both your domestic and expatriate employees. Our team of knowledgeable and experienced benefits professionals can provide custom coverage solutions for as few as two employees based in the U.S. or on an out-of-country assignment. Zurich s offering can also address coverage needs for employees who regularly rotate between domestic and expatriate roles, eliminating your concerns about gaps in coverage. Organizations looking for consolidated and coordinated coverage options for both domestic and expatriate employees, greater control over insurance-related costs, increased service and ease of doing business need not look any further than Zurich Benefit SolutionZ. Group benefits for both domestic U.S. and globally mobile employees are available under one group policy. PRODUCT FEATURES: Life and AD&D Basic (employer funded) and supplemental (employee paid) plans Amounts to 10x earnings up to $5M combined Guarantee issue to $2.5M combined Broad range of AD&D riders available Dependent spouse and child coverage available Long Term Disability Basic (employer funded) and buy-up (employee paid) plans available Monthly maximums up to $15,000 with higher amounts available depending on case profile Work incentive and residual definitions of disability are standard Rehab and social security assistance is standard Multiple options for elimination period and benefit duration 4
5 Short Term Disability Available on a fully insured or administrative services only (self-insured) platform Insured programs up to 70% to $3,000 benefit per week Multiple waiting periods and benefit durations available Own job and residual definitions of disability Available to domestic employees and on a limited basis to expatriate employees Additional programs and services include: Multinational pooling Captive fronting expertise for domestic U.S. and international employee benefits, including stop loss Structured products to solve more complex financial needs, including funding for future employee benefit liabilities through Corporate Owned Life Insurance (COLI) Voluntary AD&D Medical stop loss Business travel accident Expatriate medical/dental/vision* Why choose Zurich for your employee benefits program? Highly rated, global leader in employee benefits for domestic, expatriate and other globally mobile employees Team of knowledgeable professionals with experience navigating benefits programs in more than 200 countries and territories** Group benefits for both domestic U.S. and globally mobile employees are available under one group policy Products are available in all 50 states and feature generous benefit and guarantee issue limits for multiple classes and coverage needs International network of Zurich affiliates and partners available to address local employee benefit coverage for local national employees Online administration available for billing and enrollment ease Superior claims payment and management expertise for both domestic and global claims 24/7/365 Customer Center, located within the U.S. and offering multi-lingual capabilities ZURICH TRAVEL ASSIST Providing a familiar standard of care in an unfamiliar place Our medically based, travel assistance program focuses on providing positive medical outcomes to sick or injured travelers. It offers a network of providers that can address the medical, security, legal, information and personal assistance needs of travelers. The program also provides access to essentials, such as physician and hospital information, medical evacuation/repatriation, security services, travel advisories, weather forecasts and immunization requirements. Offering a world of services As a member of the International Assistance Group, World Travel Protection Canada, Inc., the administrator of Zurich Travel Assist, can respond to medical and legal emergencies throughout the world. We offer over 6,100 dedicated professionals working around-the-clock to ensure access to a network of medical and other emergency professionals when you need them. *Available through GeoBlue. GeoBlue is a trade name of Worldwide Insurance Services, LLC, an independent licensee of Blue Cross and Blue Shield Association. ** As defined by ISO (International Organization for Standardization) 5
6 THE ZURICH TEAM AT YOUR SERVICE At Zurich, we strive to provide you with an extraordinary service experience. Our focus is on delivering the right solutions for your organization s benefit needs. Whether it s a routine inquiry or a more complex question, our Account Management Service Team offers a single point of contact to address your needs. Our team of highly skilled account service professionals is available to assist with: Administrative changes Eligibility inquiries and updates Premium payments Billing inquiries Requests for forms Policy inquiries Expedited claim evaluation and processing During the case implementation process, a dedicated account manager is assigned as your single point of contact for verification of benefit information and eligibility processing, including an explanation of service capabilities. Our relationship with you is extremely important to ensure your service expectations and deliverables are met. Once benefit implementation is completed, a complete audit is performed to ensure accuracy prior to release of the benefit policy, certificates and billing. Our knowledge of the benefits process enables us to anticipate your questions and respond quickly. We care about your benefit needs and work with you to find the appropriate solutions to meet those needs. Our first notice of loss process allows Zurich to expedite claim evaluation. This enables our claims staff to reach out proactively and gather the required claims information. By doing so, the overall claim processing time is reduced. We recognize that keeping and growing our business relationship with you is imperative to building and maintaining a sustainable relationship. ONLINE SERVICING CAPABILITIES Zurich s online servicing capabilities provide easy access to advanced service functionality for brokers, employers, claimants and beneficiaries. Our online portal enables users to access a secure electronic communication and benefit plan management tool. Rated Number One in Global Competitiveness by Fortune Magazine (2012), Zurich is committed to providing the very best in product selection, innovation and customer focus. Our goal is to address your needs today, while providing the flexibility to grow with you for tomorrow. 6
7 The online portal provides: Management of employee benefit plan changes Access to electronic communication Timely reporting of group benefits activity and billing Increased accuracy of documentation, decreased paperwork and assistance in staying organized with up-to-date benefit information Ability to electronically enroll employees and their dependents, verify employee change status, view and submit claims, review evidence of insurability status and view billing information Security and privacy of employer and employee data Easy access to the information needed to administer the employer s benefit programs and answer employee questions Our goal is to provide you with a best-in-class service experience. GROW WITH ZURICH Our support of your business needs does not stop with employee benefits. We go beyond human capital risk to offer a full line of property and casualty products that help provide a broad range of reliable, costeffective risk management solutions for businesses of all sizes. Our expanding portfolio of innovative solutions, including enterprise risk management, captive services and multinational pooling solutions, holistically addresses both employee benefits and property/casualty risks. Through our global network, Zurich offers international programs flexible enough to protect your operations in over 200 countries and territories.** More than 900 risk engineering professionals in 40 countries provide local perspectives and risk insights that help make a difference in reducing the cost of risk. As part of our comprehensive offering, we also are committed to the development of value-added services such as risk insights that can help you mitigate losses, improve operations and achieve business objectives. Rated Number One in Global Competitiveness by Fortune Magazine (2012), Zurich is committed to providing the very best in product selection, innovation and customer focus. We are ready to address your needs today, while providing the flexibility to grow with you for tomorrow. ** As defined by ISO (International Organization for Standardization) 7
8 Zurich American Life Insurance Company of New York Zurich American Life Insurance Company Administrative Office: 7045 College Boulevard, Overland Park, KS Life, Disability and Accidental Death & Dismemberment (AD&D) insurance coverages issued in New York are issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company located at its registered home address of One Liberty Plaza, 165 Broadway, New York, NY In all states except New York, insurance coverages issued in the United States are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company located at its registered home address of 1400 American Lane, Schaumburg, IL The information enclosed is intended as a general description of certain types of insurance and services available to qualified customers. Certain products, contract terms and services may not be available in all states or may vary by state. For information about the ratings of Zurich American Insurance Company, Zurich American Life Insurance Company and Zurich American Life Insurance Company of New York, access the ratings section on For more complete financial information about the Zurich Insurance Group Ltd. and ratings for Zurich Insurance Company Ltd., access Zurich American Life Insurance Company Zurich American Life Insurance Company of New York A A (10/13)
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