Thorlabs Inc.

2023 Call Center Open Enrollment June 5th – June 16th

Premier Worksite Benefits Customer Service: (866) 463-8808, option 4 (Monday – Friday 9am – 4pm EST)

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As an employee of THORLABS INC., you may be eligible to participate in our Voluntary Benefits Program.  Voluntary Benefits are offered to help address the individual needs of you and your family with advantages that otherwise might not be available to you on your own.  Your voluntary benefit offerings are designed to complement your benefits package and provide additional security for you and your family.

All Eligible Employees (works a minimum of 30 hours/week): It Is recommended  to call Premier Worksite Benefits Customer Service to learn about the valuable benefits, ask questions and enroll if you choose to do so.

NEW HIRES (eligible the 1st of the month following at least 30 days of employment): this is your only opportunity to enroll in the benefits with Guaranteed Issue (no medical questions).

What do you get?

Options: You may choose your level of coverage; one that both fits your needs and is easy on your paycheck.  Your decision will not change the benefits being provided under any employer-sponsored benefit program.
Convenience: Voluntary benefits are paid through the convenience of payroll deduction
Acceptance: In many cases, you and immediate family members will have a better opportunity to obtain coverage through this offering than you would on your own, especially if any medical conditions or concerns are present.
Portability: Many of these programs may be taken with your with no change in premium or benefit if you leave employment or retire.

Permanent & Term Life Insurance

Life Insurance helps take care of your loved one’s immediate and future financial needs following your death.  Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts.  Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.

As people move through the stages of life, certain factors dictate the type of life insurance they need. During working years, an employer may provide Term Life insurance, but the Unum Whole Life product is designed to last for the  remainder of your life and can help give peace of mind because the money you spend builds cash value that you can use later in life or add to the term benefit payout. The graph below illustrates the need for term and permanent whole life insurance throughout the various stages of life.

Short-Term & Long-Term Disability Insurance

Could you survive if you were suddenly left without a paycheck? How would you pay your mortgage/rent, utilities, car insurance, car payments, food and other living expenses? Disability Insurance provides you with cash to protect your lifestyle when out of work due to an accident or illness.

  • Just over 1 in 4 of today’s 20-year-olds will become disabled before they retire*
  • Offers income protection to help cover monthly expenses (i.e. mortgage or rent, utilities, car payments, etc…) if you’re unable to work because of a total disability due to illness or injury

Accident Insurance

Unexpected accidents can also mean unexpected out-of-pocket expenses. Hospital stays, medical or surgical treatments, dislocations or fractures, and transportation by ambulance can add up quickly and be very costly. Accident Insurance can help with some of these expenses so your finances can remain healthy.

  • Guaranteed Acceptance – you may qualify for coverage regardless of health
  • Benefits are paid directly to you – use the money however you see fit
  • Coverage is available to you, your spouse and dependent children
  • On and off the job coverage

Critical Illness Insurance

No one knows what lies ahead on the road of life. Will you suffer a stroke, a heart attack or be diagnosed with cancer? The signs pointing to a critical illness are not always clear and may not be preventable, but Critical Illness Insurance can help offer financial protection in the event you are diagnosed.

  • Covers major illnesses – Policies generally cover illnesses such as cancer, heart attack, coronary artery disease, paralysis, kidney failure, and many more
  • Paid regardless of ability to work – The payment is made in a tax-free lump sum and is not linked to your ability/inability to work
  • Use the money for any purpose – You choose what you want to do with the money
  • Wellness Benefit – (covered health screening tests) – $50 per covered person/calendar year

Premier Worksite Benefits
P: (866) 463-8808, Option 4
Mon-Fri 9am-4pm EST
support@premierworksite.com