© 2018 by Advanced Benefits Counselors

Tel: 302-357-4969

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Disclaimer: The content of this website is intended for information only - not legal, financial or insurance.advice. For those who do not retain our contractual services, we give no guarantee or warranties of the results obtained from the use of the information.


*At least 75% of Employees must participate in a 1-to-1 benefits counseling session with no obligation to purchase

*Discount Card Program

The Discount Card Program saves your employees' money on:

  • Doctor office visits – Save up to 25%

  • Prescription drugs – Save up to 65%

  • Vision and hearing products and services – Save 15% - 50%

  • Medical bill help – Save up to 30%

  • Speak to a Doctor by telephone or email 24/7/365 – Save up to 65%

  • Lab work, MRI and X-rays – Save up to 70%

Not available in Montana, Vermont, and Alaska

No minimum number of  eligible employees to qualify


While not intended to replace a primary care doctor, Telemedicine, gives your employees 24/7 telephone access to board-certified doctors, where it’s most convenient for them. It's an easy way to show your employees you care about their access to medical care. It can also help eliminate co-pays, decrease employee absenteeism and increase productivity--while helping to lower health care cost for your business.

Here are some of the common conditions that can be treated:

  • Allergies

  • Asthma

  • Bronchitis

  • Cold and flu

  • Ear Infections

  • Fever

  • Headache

  • Joint aches

  • Respiratory infections

  • Sinus infections

  • Urinary tract infections

Also offers pediatric care

Must have  a minimum of 10 and no more than 499 eligible employees to qualify

*Legal Assistance

When employees face legal issues, getting help from high-quality attorneys can be expensive. Legal Assistance is designed to make consumers and businesses lives easier. It is an online service designed to provide your employees with access to a variety of legal services. By offering your employees this easy-to-use service, you may be able to help them avoid costly legal fees. It's a simple way to enhance your benefits package without affecting your budget.

Your employee can get assistance with:

  • Writing a will

  • Making a power of attorney

  • Preparing a health care directive

  • Creating a trust

  • Writing a consumer complaint

  • Leasing out a property

  • Drafting divorce paperwork

Must have  a minimum of 10 and no more than 499 eligible employees to qualify

*Accidental Death & Dismemberment

Insurance (AD&D)

The employer becomes a member of the Trust who becomes the policyholder, and all the employees within designated groups will be eligible for coverage as Insured Persons under the master group policy. Insured Persons are are covered for Accidental Death and Dismemberment (AD&D) which  pays a benefit if a covered accident results in loss of life, limb, sight, speech or hearing. Insured persons are covered 24 hours a day, 365 days a year, anywhere in the world.

The Maximum AD&D Principal Sum amount is equal to $10,000.

  • 100% is payable for accidental loss of life, two or more members, sight of both eyes, speech and hearing or any combination thereof, or loss of use  of both arms and both legs.

  • 50% is payable for accidental loss of one member sight of one eye, speech or hearing, or loss of use of one arm or one leg or both hands or both feet or a combination of a hand and a foot.

  • Member means hand or foot

  • 25% is payable for the accidental loss of the thumb and index finger of the same hand, or loss of use of one hand or one foot.

Loss means as respects the hand, complete severance through or above the knuckle joints of at least 4 fingers on the same hand; with respect to the foot, complete severance through or above the ankle joint.

Must have  a minimum of 10 and no more than 499 eligible employees to qualify