Beam Benefits

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Benefits – 2024 Value-Added Service Updates

Posted November 27, 2023 by Lori Berson

Effective January 1, 2024, Beam Benefits is making some changes to its Value-Added Services for life and disability products.

Employee Assistance Program (EAP)
Beam Benefits is discontinuing the current Employee Assistance Program (EAP) as a value add service with Beam Life benefits plans. This change does not affect your group(s) life coverage through Beam Benefits and the change does not apply to Beam’s new Hartford disability products.

Two New Value-Added Services
Beam Life members can take advantage of two new Value-Added Services at no additional cost:

Estate planning and digital vault services through GoodTrust.
Travel assistance and identity theft services through International Medical Group.

Contact us today for a Beam Benefits quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Benefits – New Disability Product

Posted October 2, 2023 by Lori Berson

With Beam’s new disability plans, powered by The Hartford, you can easily offer employers flexible, best-in-class comprehensive disability coverage. Available for groups of 2-100 eligible employees, these guaranteed issue plans offer members income protection if they’re unable to work for an extended period of time due to an illness or injury. Benefits begin after 90 or 180 days and last through the duration of the disability or until the Social Security Normal Retirement Age (SSNRA).

Key Features

100% employer-paid or 100% employee-paid plan options.
Ability to customize plan designs including benefit percentages, maximums, elimination period, and more.
No medical underwriting is required if enrolling upon initial eligibility.
Value-added services include the Ability Assist® Employee Assistance Program (EAP), HealthChampion®, identity theft support, and travel assistance.

To learn more, download these flyers:

With quoting available for October 1, 2023 effective dates, now is the time to create customized disability benefits packages tailored to meet your client’s needs and budget.

Contact us today for a Beam Benefits quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Benefits – Enhanced Orthodontia Coverage

Posted August 21, 2023 by Lori Berson

Beam Benefits’ dental plans are even more competitive with two new enhancements to Orthodontia coverage:

Orthodontia Lifetime Benefit Maximum

The Orthodontia lifetime benefit maximum is now up to $5,000 (the previous maximum was $2,500). The benefit amount can be selected in $50 increments, starting with $2,550 up to a maximum of $5,000

Orthodontia Benefit Group Size Requirement

Previously at least 10 employees were required to enroll in order for Adult & Child Orthodontia benefits to be available. Now Adult & Child Orthodontia benefits are available to groups with as few as two employees enrolling.

Contact us today for a Beam Benefits quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Live: A Benefits Revolution – June 21 Webinar

Posted June 12, 2023 by Lori Berson

Join Beam Benefits, on June 21, 2023 at 11:00 am, for a special one-hour livestream event featuring the latest innovations revolutionizing employee benefits.

Get a sneak peak at enhanced feature releases.
Get product insights aimed at empowering you and your clients.
Discover the latest partnerships in employee benefits.
Hear from brokers and industry experts on how they are tackling today’s biggest challenges.
And more!

Register now!

Contact us today for a Beam quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam – Critical Illness Coverage

Posted May 1, 2023 by Lori Berson

Help employers provide extra protection and financial security for their workforce in the event of a serious illness or injury by offering Beam’s new critical illness coverage.

The coverage includes a range of benefits, such as hospital stays, surgery, chemotherapy, and radiation treatments. Plus, it also offers financial assistance for expenses related to caregiving, travel, and other non-medical expenses.

A great option to supplement traditional health insurance, Beam’s critical illness coverage can be especially helpful for those with high-deductible health plans (HDHP).

Features Include:

Four standard plan options.
Lump-sum cash payment goes directly to the member.
Members have the flexibility to use the funds as needed.
Provides coverage for a broad list of illnesses and diseases.
Coverage is available for members, their spouses, and their dependent children.
No lifetime maximum benefit amount.
Recurrence benefit included.
Voluntary, contributory or non-contributory.

A valuable addition to standard health insurance, Beam’s critical illness coverage can provide employees peace of mind and financial assistance during challenging times. Download the flyer for details.

Contact us today for a Beam quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Two-Year Rate Guarantee

Posted April 17, 2023 by Lori Berson

Help give your clients financial protection and peace of mind with Beam’s two-year rate guarantee on new dental and vision quotes. This promotion is available to groups with 10-499 eligible employees who quote with Beam now through June 30, 2023, with an effective date between April 1, 2023 and September 1, 2023. To learn more, visit Beam and download the flyer.

Reminders

Beam dental and vision plans are available for 2+ enrolled employees.

Standard Plan Features

Annual open enrollment on all plans.
No waiting periods unless requested.
Preventive care is covered at 100% (2 annual cleanings and check-ups).
No missing tooth clause.
Implants are covered on all dental plans.
Posterior composites and porcelain crowns are covered with no downgrades.
Occlusal (night) guards are covered.
Rollover feature offered to match or add as new.
Additional cleanings for pregnant members.
Additional cleanings for members with diabetes.
Beam Perks program for group incentives and member rewards.

Dental Provider Networks

Beam has over 500,000 dental access points nationwide.
Access points are comprised of these dental networks: Dental Benefit Providers (DBP owned by UHC), Careington, DenteMax Plus, Connection Dental, and First Dental Health.
Find an in-network dentist.

Vision: VSP® Vision Care Plans & VSP® Choice Network

Frame allowances – $150, $175, $200.
Frequency limits – 12/12/12 and 12/12/24.
Available for 2+ enrolled employees.
Nationwide provider network and retail locations with over 115,000 vision access points and more than 31,000 providers.
Find a VSP Network eye doctor.

Start quoting Beam today and help your groups take advantage of the rate guarantee!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Learn more about the 2023 Brokerage Bonus Program.

Beam 2023 Brokerage Bonus Program

Posted March 27, 2023 by Lori Berson

With Beam’s new and improved 2023 Brokerage Bonus Program, there are bigger payouts, opportunities to earn, and expanded eligibility.

New Group Sales Bonus

Earn up to a 6% bonus (increased from 2.5% in 2022) on collected premiums for new group sales. The more groups you sell, the higher your bonus!

How it works:

Eligible brokers with a direct agent or agency relationship with Beam and cannot have a separate compensation structure above the set commission.
Your brokerage sells a minimum of 15 new groups or $200,000 in annual recurring revenue (ARR).
Effective dates of January 1, 2023 through December 31, 2023.
Must have at least five eligible employees enrolled for Beam coverage.

Renewal Sales Bonus

Earn up to an additional 2% bonus on group renewals.

How it works:

Brokerage achieves new group sales bonus (see New Group Sales Bonus above).
At least $500,000 in annualized in force premium as of January 1, 2023.
Minimum of 85% premium persistency.

Notes

Dental, vision, life, accident, and hospital indemnity administered through Beam count toward the broker bonus program.
The bonus is a one-time payment that is separate and independent from your commission and has no impact on rates.
Bonus amounts are expected to be paid out in March of 2024, but may be subject to change.

Start quoting Beam today and take advantage of the bonus program!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Two-Year Rate Guarantee on New Dental and Vision (51-499) Business

Posted October 3, 2022 by Lori Berson

Beam has announced a two-year rate guarantee on new dental and vision business with 51-499 eligible employees – effective dates from October 1, 2022 to January 1, 2023.

In addition to dental plans with over 400,000 access points nationwide, Beam offers vision, life, disability, accident, and hospital indemnity coverage.

Contact us today for a Beam quote and help your groups take advantage of the promotion!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Beam Now Offers Voluntary Life, Accident, and Hospital Indemnity

Posted July 11, 2022 by Lori Berson

Beam has added voluntary life, accident, and hospital indemnity products to its benefits portfolio. With the addition of these new products, Beam has rebranded to Beam Benefits.

The new products are available with an August 1, 2022 effective date in CA, IL, OH, and TX.

Beam Benefits will continue to launch additional benefits products and will add critical illness to its portfolio later this year.

Beam Benefits provides brokers with a simpler process from start to finish:

Tailored, competitive pricing to offer exactly what your clients need via Beam’s digital quoting tool.
Self-service tools for rapid quoting and instant online access to the information you need 24/7.
Rapid implementation and helpful support from real people when you and your clients need it.
Perks program that offers group incentives for consistent brushing habits and rewards for members.

With its intuitive online platform, self-service tools, AI-powered underwriting, and thoughtful coverage for improved overall wellness, Beam Benefits simplifies and modernizes the ancillary benefits industry.

Contact us today for product information and quotes.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.