Group Life and AD&D Insurance for Hocking County Employers
When something happens to one of your employees, their family shouldn't have to worry about what comes next. Group life and AD&D insurance is the benefit that steps in when it matters most — and for most small businesses, it's more affordable and simpler to offer than employers expect.
Group life and AD&D coverage is one of the most foundational elements of a complete employee benefits package. Employees expect it. Families rely on it. And as an independent agency that has served Hocking County employers since 1959, we help you put together a plan that fits your workforce and your budget — comparing options across our carrier portfolio so you're not locked into one company's offering.
Why Group Life and AD&D Belongs in Your Benefits Package
Group Life Insurance
Group life insurance pays a death benefit to an employee's named beneficiary when the employee passes away — from any cause. Most employer-sponsored plans provide coverage equal to $25,000, $50,000, or one times the employee's annual salary. This is the core of the benefit: a straightforward financial cushion for the people your employee leaves behind.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
AD&D Insurance
Accidental death and dismemberment insurance adds a second layer of coverage on top of the life benefit. If an employee dies as the result of a covered accident, AD&D pays an additional benefit. If they survive but suffer a qualifying loss — such as a limb, sight, or hearing — AD&D pays a partial benefit based on the type of loss. It doesn't replace group life insurance; it works alongside it.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
How They Work Together
When you offer group life and AD&D as a combined product, your employees receive coverage for death from any cause through the life benefit, plus additional protection specifically for accidents through the AD&D rider. For most Hocking County employers, this combined product is the standard approach — one enrollment, one carrier, one straightforward explanation for your team.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
What Employer-Paid Coverage Typically Looks Like
A common starting point for employer-paid group term life is $25,000 to $50,000 in coverage, or one times an employee's annual salary. Many employers cover the full premium for this base amount and offer employees the option to purchase additional voluntary coverage on their own. We review current benchmarks for businesses in Hocking County and southeastern Ohio so you can make an informed decision about what to offer.
Contact Info Details
Phone: (407) 219-3250 Ext. 103
Email: cbravowhite@cfl.rr.com
Why Group Life and AD&D Belongs in Your Benefits Package
Employees weigh the full value of their compensation when deciding where to work and whether to stay. Group life and AD&D insurance is a low-cost, high-impact benefit — one that signals to your team that you've thought about their families, not just their paychecks.
- Employer-paid group term life up to $50,000 is generally excludable from employees' taxable income
- Coverage begins at enrollment — no medical exam required for base amounts in most group plans
- Beneficiaries file claims directly with the carrier, keeping the administrative burden off your HR staff
- Combined life and AD&D is among the simplest benefits products to set up and maintain year over year
- Offering this benefit strengthens your ability to recruit and retain employees in a competitive local market
How We Help You Set It Up
We work with employers across Hocking County to build employee benefits packages that make sense for their size, industry, and budget. Group life and AD&D is often one piece of a broader conversation that includes group health, group dental, group vision, and critical illness coverage.
Our process is straightforward: we review your current workforce structure, discuss what level of employer contribution fits your budget, and compare options across our carrier relationships to find coverage that works. Once the plan is in place, enrollment is handled once, and ongoing administration is minimal.
Who We Work With
We serve small and mid-size employers throughout Hocking County — contractors, retail businesses, restaurants, professional offices, and more. If you have employees who depend on you for their benefits, we can help you build a package that reflects that responsibility.
- Contractors and trades businesses looking to formalize their benefits offering
- Small businesses adding group life as a standalone benefit or as part of a broader package
- Employers currently offering health insurance who want to add life and AD&D without complexity
- Business owners reviewing their benefits package ahead of open enrollment
Common Questions About Group Life and AD&D
Is AD&D the same as life insurance?
No — they cover different circumstances. Group life insurance pays a benefit when an employee dies from any cause, whether illness, accident, or otherwise. AD&D pays an additional benefit only when death or a qualifying injury results from a covered accident. They're designed to work together, and most group plans offer them as a combined product.How much group life coverage should I offer my employees?
A common benchmark for employer-paid group term life is $25,000 to $50,000, or one times an employee's annual salary. The right amount depends on your workforce, your industry, and what comparable employers in the area are offering. We review current market data for Hocking County employers and help you land on a figure that's competitive without stretching your budget.Is employer-paid group life insurance taxable to employees?
Employer-paid group term life coverage up to $50,000 is generally excludable from an employee's gross income under IRS rules. Coverage above that threshold may generate imputed income. We recommend confirming the specifics with your accountant or payroll provider, and we're happy to walk through how this typically works for small employers in Ohio.How complicated is it to administer group life and AD&D?
It's one of the simpler benefits products to run. Enrollment happens once, typically during your benefits open enrollment period. If a claim ever needs to be filed, the employee's beneficiary handles that process directly with the carrier — it doesn't route through your office. Day-to-day, there's very little ongoing administrative work required.Can employees purchase additional life insurance beyond what the employer provides?
Yes. Most group life plans allow employees to purchase voluntary supplemental coverage above the employer-paid base amount, often without a medical exam up to a guaranteed issue limit. This gives employees the option to increase their own coverage at group rates, at no additional cost to you as the employer.
Talk to Logan Insurance About Group Life and AD&D
Group life and AD&D insurance is one of the most meaningful benefits you can offer — and one of the most straightforward to put in place. We've helped Hocking County employers build complete benefits packages for more than 65 years, and we're here to help you do the same. Reach us at 740-385-8575, stop by our office at 53 S. Market St. in Logan, or request a consultation online.