Employee Benefits

Employee Benefits consist of all the programs that people have access to, solely as a result of the Employer-Employee relationship, including but not limited to the following:

Group Medical

Medical Insurance is the most important Benefit that you as an employer can offer. It not only provides comprehensive coverage for your employees and their family. When selecting a Group Medical Plan, you want to be informed on what is required of you and how to properly communicate and disseminate information to your employees. This is where we come in. We will equip and guide you to make informed decisions with ease & clarity. Medical insurance can be confusing, and we make the process as simple and streamlined as possible. With DiPrima Insurance you can rest assured that you and your employees will be taken care of.

Group Dental

Dental insurance doesn’t just cover cavities and cleanings, it helps cover some of the cost you pay every time you visit the dentist. It helps ensure you don’t end up with expensive bills when you need more extensive dental work or oral surgery. Dental coverage helps protect your overall oral care. That includes things like preventive cleanings, x-rays, restorative services like fillings, and even more serious forms of oral surgery that you might need one day. Poor oral health has been linked to conditions like diabetes, heart disease, and stroke, so while brushing and flossing every day might help keep your teeth clean, nothing can replace regular visits to the dentist

Group Vision

Vision insurance helps protect the health of your eyes, including routine visits to the optometrist for eye exams as well as coverage for glasses and contacts. Make sure your eyes remain in great shape at any age – no matter how much time you spend staring at digital screens. Vision insurance covers benefits not typically covered under your medical insurance plan. It includes things like routine eye exams and discounts on the purchase of new eyeglasses, contact lenses, or corrective surgery like Lasik. Regular eye exams can detect more than failing eyesight, they can detect diseases like glaucoma and diabetes. Vision problems are the fourth most prevalent disability in the United States and one of the most prevalent conditions in childhood. It’s worth considering for anyone who regularly needs to purchase eyeglasses or contacts

Group Life

A life insurance policy is a contract with an insurance company. In exchange for a systematic payment or premium payments, the insurance company provides an amount, known as a death benefit, to beneficiaries upon the insured's death. There are many reasons to get life insurance, but a simple rule of thumb is if you have shared debts or anyone relies on your income for their financial well-being, you should consider getting life insurance coverage. Every person’s life insurance needs are different and depend on many factors, such as how many dependents you have, how much you expect to earn, and even your gender. Life insurance can help protect your loved ones financially by providing a death benefit (usually a tax-free payment) to your beneficiaries if you pass away. Permanent life insurance can also build up cash value that you can access through loans and/or withdrawals to help fund life’s financial opportunities, or realities, like a down payment on a house, supplementing education costs, and health care expenses.

Disability Insurance

Help protect a portion of your paycheck from unexpected illness and injury that keeps you from working. Disability insurance provides partial income so you can pay your bills if you get too sick or injured to work. Disability happens to more people, more often than you may think. In fact, more disabilities are caused by illness than injury, including common conditions like heart disease and arthritis, and most disabilities are not covered by Workman’s Compensation. Some employers will offer short and long-term disability benefits to their employees. A short-term policy helps you immediately after an incident, and a long-term policy helps provide financial protection for disabilities that can last for years. You can also pay for additional coverage on top of the benefits you get at work to help provide extra financial protection.
 If you depend on the income you receive through work to pay your expenses, then you should probably consider disability insurance.

Hospital Indemnity

Help with the Cost of Hospital Admissions. Needing hospitalization due to sickness or injury can happen to anyone. While your medical insurance may help to cover hospital bills in these situations, it may not cover all of the costs associated with a hospital stay, such as deductibles and co-pays, transportation, and lodging. Hospital Indemnity Insurance is for people who need help covering the costs associated with a hospital stay if they suddenly become sick or injured. If you are admitted to a hospital for a covered sickness or injury, you can receive payments that can be used for any purpose, such as: * High deductibles and copays * Travel to and from the hospital for treatment * Child care service assistance while recovering Hospital Indemnity benefit can help pay for out-of-pocket costs associated with being hospitalized in addition to your medical coverage, and can give you more of a financial safety net for unplanned expenses brought on by a hospital stay. Payments are made directly to you , even if you did not actually incur any out-of-pocket expenses.

Critical Illness

Critical illness insurance helps you cover medical expenses that your primary health insurance won’t. It’s a cash payout you receive if you ever experience a serious illness like cancer or a stroke. Critical illness insurance is a good, supplemental option for people who already have health insurance, because it gives you additional money to pay for expenses like deductibles. Critical illnesses include stroke, heart attacks, Parkinson’s, cancer, and more. Our policies can cover over 30 major illnesses. If you happen to get diagnosed with one of these illnesses, plans can pay you a lump sum of up to $50,000. It’s an affordable way to supplement and pay for the additional expenses your health insurance doesn’t cover. 

Accident Insurance

Accident insurance is an extra layer of protection that pays you cash when you suffer an unexpected, qualifying accident. It provides you money to cover any extra, out-of-pocket expenses associated with your injury. Accident insurance pays you a lump sum in cash after you suffer an accident like a severe burn, broken bone or emergency room visit. With health coverage becoming more expensive with higher co-pays, premiums, and deductibles, accident insurance can be a great, affordable way to supplement and cover the additional expenses your health and disability insurance doesn’t cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries.

Cancer Insurance

Cancer insurance helps ease the financial burden while you heal. Every year, more and more people are diagnosed with cancer. Unfortunately, in addition to bearing the physical and emotional toll of this disease, patients are often saddled with financial burdens when medical insurance falls short or income is compromised. If you're diagnosed with cancer, the last thing you need is to think about the cost. Cancer insurance can help you handle medical plan deductibles, co-pays and other out-of-pocket costs; non-medical expenses such as transportation to treatment facilities; even everyday living expenses such as groceries, rent and mortgage payments. The unexpected out-of-pocket expenses of cancer recovery, such as transportation to chemotherapy, copays, and deductibles, can add up fast. What's more, two thirds of cancer recovery costs are non-medical, such as covering the mortgage, child care, and other household expenses. Cancer insurance can help you pay for all of these expenses.


The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan. Health insurance coverage from COBRA extends for a limited period of 18 or 36 months, depending upon applicable scenarios.

Individual and Family Health Insurance

The Right Insurance For You

We can provide you with a variety of products and services from our respected Insurance and Benefit Providers. We obtain and evaluate proposals from all available carriers and can educate you & your family on these benefits. At DiPrima Insurance, we are confident that we can help you find the right solutions for both your business and personal financial needs.


Online Benefits Administration

Save time and deliver a better employee experience now with Ease – a digital platform for employee enrollments. Simply let us know your interest in Ease and we will send you more information on the service.

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