By Natalie Dippenaar
A major benefit of NCRA membership is access to Mercer Health and Benefits Administration’s many different products at reasonable prices.
Mercer works with members to find insurance for a variety of professional and personal needs through a number of carriers. Doing so allows members to compare prices and select the package and price that best suits their needs. By working with NCRA, Mercer has made it easy for members and their families to get the protection they need at an economical price and the process of getting insurance a little less daunting.
And here’s some great news: Mercer is adding home and auto insurance as a new benefit for members in December! In addition to the new home and auto options, here are a few of the most popular insurance plans with NCRA members.
Equipment
Equipment used for business is often not insurable under your homeowner’s policy. Protect your equipment from loss, damage, theft, and vandalism with premiums starting as low as $50 per year and no deductible. Additionally, premiums may also be tax-deductible as a normal business expense.
Professional Liability
Consider the catastrophic losses that can result if you are faced with an errors and omissions suit. Protect yourself financially against a wide variety of lawsuit situations, including court judgments or out-of-court settlements. Coverage is portable and up to $1,000,000 in coverage is available with no deductible.
Group Accidental Death and Dismemberment
This plan provides accidental death benefits for covered accidents, as well as benefits for covered accidental loss of the use of certain body parts or functions, regardless of whether you are able to work or not. Benefits range from $50,000 to $500,000 in $50,000 increments.
Long-Term Care
The need for long-term care usually arises from age, chronic illness, injury, or disability. It is predicted that at least 70 percent of people over age 65 will need long-term care services and support at some time in their lives and most people don’t plan for it.
Group Dental
Dental care is expensive and often neglected due to the cost. Providing comprehensive coverage and a broad network of dentists, this plan has competitive rates to help you afford your dental treatments.
Pet
Pets are part of the family too, and when your pet becomes sick or injured, you don’t need the added stress of worrying about how you will pay the veterinary bill. Pet insurance is offered through Veterinary Pet Insurance (VPI), the nation’s oldest and largest provider of health insurance for pets. A VPI policy provides you with the freedom to obtain the best medical care for your dog, cat, bird, rabbit or other exotic pet at specially negotiated and affordable rates. For more information, call 1-800-USA-PETS.
Cyber Privacy Liability
With increased worries about cyber threats, this is a plan you may want to consider. This plan is designed to mitigate losses from a variety of cyber incidents. This integrated insurance and risk management program offers access to human resources- and data management-related services.
Health
NCRA provides a tool to help you meet your healthcare needs, including whatever information you need on tax breaks or penalties, available coverage in your area, or to find out if a life event has changed your insurable status. Now is the time to investigate your options in order to make confident and informed decisions to protect you and your family at a rate that fits your budget. Open enrollment is from November 1 to December 15.
For more information
To see all NCRA insurance options available to you, please visit NCRAInsurance.com. For a few products, there are specific websites or phone numbers to call. See below for some of the more popular ways to find out more information about Mercer’s products.
- For health insurance*, visit GetInsured.com/NCRA or call 866-454-6479 between Nov. 1 and Dec. 15, 2018.
- For Long Term insurance, call 800-358-3795.
- If you have general questions, call 800-503-9230.
*Not all plans may be available in all states.
Natalie Dippenaar is NCRA’s Assistant Director of Member Relations.
