HEALTH Available in both group and individual. Covers:

• dental
• outpatient prescription drug cards
• maternity
• accident

Features we can include:

• rate guarantees.
• Variable deductible.
• Family Plans.
• Variable out of pocket limits.
• Portability.
• Child-Only coverage.
• AIDS treatment.

DISABILITY

Both long and short term disability plans are available for quotation.

Plan features include:

• variable term
• guaranteed acceptance in group
• benefits by job classification
• direct payment of benefits
• benefits can be distributed due to injury, illness or pre-existing conditions
• benefits can be paid as flat rate or percentage of earnings
• costs sharing by employer and employees
• partial disability
• work incentive benefits
• survivor benefits
• coordination with other compensation
• occupational coverage

DENTAL

Plan features include:

• choice of maximum benefit
• single calendar year deductible per person

DENTAL COVERAGE

OPTIONS AVAILABLE-

Preventive Services:

• Cleanings
• fluoride treatments
• periodic exams
• space maintainers

Basic Services:

• x-ray
• fillings
• steel crowns
• simple extractions
• denture relines and plastic repair
• stainless steel crowns
• emergency pain relieving treatment

Major Services:

• Root Canals
• periodontics
• Oral Surgery
• General Ahesthetic with Surgery
• Repair of partials, dentures
• Repairs to crowns and metal bridges
• Inlays and Onlays
• Crowns (other than stainless steel)
• TMJ treamtent
• full or partial bridgework

MAJOR MEDICAL

Offered in both PPO and HMO plan types.

Coverages:

• Physician office visits
• Preventive care services
• Emergency Room services
• Transplant services
• Chemotherapy and other diagnosis specific treatments

Advantages:

• National network of member hospitals
• National network of member physicians
• Benefits and coverage at reduced premiums
• Flexible options such as deductibles and/or co-pays

SENIOR CARE

Long Term Care:

• Tax qualified long term care
• nursing home stays
• assisted care facilities
• Alzheimer's care facilities
• variable daily benefit
• variable elimination periods
• variable benefit periods
• spouse discounts
• hospice care
• respite care
• customized plans
• assisted living
• bed reservation

Medicare Supplements:

• Part A and Part B deductible
• Skilled Nursing Facility co-pay

Emergency Care Final Expense:

• whole life with graded benefits
• variable face amount
• guaranteed level premiums
• waivers of premium
• double indemnity/accidental death

Final Expense:

• whole life with graded benefits
• variable face amount
• guaranteed level premiums
• waivers of premium
• double indemnity/accidental death LIFE

Available in group and individual.

Designed especially for the small group market, available to businesses with even just a few employees. More groups than ever can qualify for this valuable protection.

Benefits:

• Double benefit for accidental death
• Benefits for accidental dismemberment
• Variable maximum amounts

Variable benefit structures Features:

• Lump sum payments of benefits
• Waiver of premium options
• Conversion priviledges
• Multiple funding options

ANNUITIES

For safe, long-term savings, or retirement, or any other future savings need.

Highlights:

• competitive current / renewal interest rates
• flexible payout options
• multiple liquidity features

No matter what type of service or coverage your customers require, EBRM® will find what you're looking for. Use this website to contact us or use our quote services page to get things started.