From your first conversation with a specialist to the day coverage launches, here's exactly what happens — and what your HR team actually has to do at each step.
Getting a group quote is straightforward — our specialists handle the heavy lifting so your HR team can stay focused on running the business.
Send basic employee data using our simple template — no formatting headaches. This is the only information we need to shop carriers on your behalf.
We shop top-rated carriers on your behalf and bring back a clear, side-by-side quote after reviewing your census.
Choose a plan and complete a short group application to finalize the selection. This sets the dates for your guaranteed issue enrollment window.
We manage employee communications and a guided sign-up, start to finish, so nothing lands on your HR team's desk as extra work.
These are the mechanics behind the process above — the terms that define how coverage behaves once your team is enrolled.
Employees enroll with no health questions and no medical exam during the enrollment window — the single biggest reason group coverage moves faster than an individual policy.
Coverage moves with your employees if they change jobs or retire — premiums and benefits stay the same, and the policy belongs to them, not the company.
What they pay on day one is what they pay for life — premiums are guaranteed never to increase, so there's no annual surprise for employees or HR.
The things HR teams ask us most before they sign off on a group quote.
The enrollment window is a limited period, set once your group's coverage is approved, during which eligible employees can sign up without answering health questions or taking a medical exam. The exact length varies by carrier and group size, and your specialist will confirm the dates as part of your quote.
Coverage is fully portable. If an employee changes jobs or retires, they generally keep their policy with the same premiums and benefits, subject to the terms of their specific policy. The coverage belongs to the employee, not the employer.
Spouses can opt in during the same enrollment window as employees. Depending on the carrier, this may involve a separate application, but it happens as part of the same enrollment event rather than a delayed or standalone process.
During the guaranteed issue window, eligible employees are not asked health questions and do not need a medical exam. Employees who join later, outside that window, are typically subject to standard underwriting instead of guaranteed issue terms.
Timing depends on how complete the submitted census is and how quickly the group signs off on a carrier, but the four-step process from census to launch is designed to move efficiently without dragging out over months.
See the full case for offering group long-term care insurance — the coverage gap it closes, the impact on retention, and what it costs your business to offer.
See Why Employers Offer ThisA specialist will walk you through your options, help with the census process, and bring back a no-obligation group quote.
Request a Group Quote Or call us directly at (954) 510-5431From your first conversation with a specialist to the day coverage launches, here's exactly what happens — and what your HR team actually has to do at each step.
Getting a group quote is straightforward — our specialists handle the heavy lifting so your HR team can stay focused on running the business.
Send basic employee data using our simple template — no formatting headaches. This is the only information we need to shop carriers on your behalf.
We shop top-rated carriers on your behalf and bring back a clear, side-by-side quote after reviewing your census.
Choose a plan and complete a short group application to finalize the selection. This sets the dates for your guaranteed issue enrollment window.
We manage employee communications and a guided sign-up, start to finish, so nothing lands on your HR team's desk as extra work.
These are the mechanics behind the process above — the terms that define how coverage behaves once your team is enrolled.
Employees enroll with no health questions and no medical exam during the enrollment window — the single biggest reason group coverage moves faster than an individual policy.
Coverage moves with your employees if they change jobs or retire — premiums and benefits stay the same, and the policy belongs to them, not the company.
What they pay on day one is what they pay for life — premiums are guaranteed never to increase, so there's no annual surprise for employees or HR.
The things HR teams ask us most before they sign off on a group quote.
The enrollment window is a limited period, set once your group's coverage is approved, during which eligible employees can sign up without answering health questions or taking a medical exam. The exact length varies by carrier and group size, and your specialist will confirm the dates as part of your quote.
Coverage is fully portable. If an employee changes jobs or retires, they generally keep their policy with the same premiums and benefits, subject to the terms of their specific policy. The coverage belongs to the employee, not the employer.
Spouses can opt in during the same enrollment window as employees. Depending on the carrier, this may involve a separate application, but it happens as part of the same enrollment event rather than a delayed or standalone process.
During the guaranteed issue window, eligible employees are not asked health questions and do not need a medical exam. Employees who join later, outside that window, are typically subject to standard underwriting instead of guaranteed issue terms.
Timing depends on how complete the submitted census is and how quickly the group signs off on a carrier, but the four-step process from census to launch is designed to move efficiently without dragging out over months.
See the full case for offering group long-term care insurance — the coverage gap it closes, the impact on retention, and what it costs your business to offer.
See Why Employers Offer ThisA specialist will walk you through your options, help with the census process, and bring back a no-obligation group quote.
Request a Group Quote Or call us directly at (954) 510-5431