ShelterPoint Insurance is a New York-based insurance carrier specializing in providing affordable and reliable insurance coverage to employers and employees across the country. Established in 1972, ShelterPoint Insurance has remained one of the leading insurers providing employee benefits and protection plans to businesses ranging from small to large scale.
Who is ShelterPoint Insurance?
ShelterPoint Insurance caters to the requirements of small to medium-sized businesses, self-employed individuals, and employees who seek affordable insurance plans that offer them protection against any kind of unexpected expenses. The main objective of ShelterPoint Insurance is to assist employers and employees in meeting their insurance needs.
ShelterPoint Insurance provides a wide range of insurance plans including disability insurance, paid family leave insurance, term life insurance, and dental insurance. To cater to the continuously changing needs of its clients, ShelterPoint Insurance offers flexible, customizable plans that can be tailored according to specific requirements.
Disability Insurance
Disability insurance is designed to protect employees in case they become unable to work due to an injury or illness. A disability insurance policy from ShelterPoint Insurance will provide income replacement benefits in case the employee becomes disabled.
ShelterPoint Insurance offers two types of disability insurance policies- short-term and long-term disability insurance. A short-term disability insurance policy provides benefits for a relatively shorter period and generally covers the initial period of disability. A long-term disability insurance policy provides benefits for a longer period, usually after a waiting period of 90 days.
Moreover, ShelterPoint Insurance offers a variety of riders that can be added to a disability insurance policy. For instance, the residual disability rider, which insures partial disability, or the own occupation rider, which defines disability as the inability to perform the specific occupation, are the most common riders that can be added to the policy.
Paid Family Leave Insurance
Paid Family Leave Insurance offers employees financial assistance for up to 12 weeks in a year to take care of a new child (including adoption and foster care), to care for a family member with a serious illness or injury, or to help with family obligations arising due to a family member’s military deployment. ShelterPoint Insurance offers comprehensive paid family leave insurance designed to meet the needs of employees and employers.
The amount of paid family leave benefits is based on the employee’s average weekly wage, which is calculated by taking the average of the last eight weeks of the employee’s earnings. The maximum benefit amount for paid family leave is $971.61 per week for 2021.
Term Life Insurance
Term life insurance is a type of life insurance policy that provides coverage for a certain period (the term), usually ranging from one to thirty years. ShelterPoint Insurance provides term life insurance policies that offer financial security to families in case a breadwinner dies unexpectedly.
ShelterPoint Insurance offers term life insurance policies with a face value ranging from $50,000 to $5,000,000. The policy premiums are affordable and depend on various factors such as the age, gender, and health of the policyholder.
Dental Insurance
Dental insurance is a type of insurance policy that provides coverage for the costs related to dental care. ShelterPoint Insurance offers dental insurance policies that provide coverage for preventive and restorative dental care.
The dental insurance policy offered by ShelterPoint Insurance provides coverage for basic services such as teeth cleanings, X-rays, and fillings, as well as major services such as root canals and crowns. The policy premiums are affordable and depend on the factors such as the plan selected and the frequency of the dental visits.
FAQ
What is ShelterPoint Insurance?
ShelterPoint Insurance is a New York-based insurance carrier that provides affordable and reliable insurance coverage to employers and employees across the country.
What types of insurance does ShelterPoint Insurance offer?
ShelterPoint Insurance offers a wide range of insurance plans including disability insurance, paid family leave insurance, term life insurance, and dental insurance.
What is Disability Insurance offered by ShelterPoint Insurance?
Disability insurance is designed to protect employees in case they become unable to work due to an injury or illness. A disability insurance policy from ShelterPoint Insurance will provide income replacement benefits in case the employee becomes disabled.
What is Paid Family Leave Insurance offered by ShelterPoint Insurance?
Paid Family Leave Insurance offers employees financial assistance for up to 12 weeks in a year to take care of a new child (including adoption and foster care), to care for a family member with a serious illness or injury, or to help with family obligations arising due to a family member’s military deployment.
What is Term Life Insurance offered by ShelterPoint Insurance?
Term life insurance is a type of life insurance policy that provides coverage for a certain period (the term), usually ranging from one to thirty years. ShelterPoint Insurance provides term life insurance policies that offer financial security to families in case a breadwinner dies unexpectedly.
What is Dental Insurance offered by ShelterPoint Insurance?
Dental insurance is a type of insurance policy that provides coverage for the costs related to dental care. ShelterPoint Insurance offers dental insurance policies that provide coverage for preventive and restorative dental care.
What are the benefits of ShelterPoint Insurance?
The benefits of ShelterPoint Insurance include affordable premiums, customizable plans, reliable coverage, and exceptional customer service.
Plan Type |
Coverage |
Premium |
Disability Insurance |
Short-term and long-term disability insurance providing income replacement benefits |
Depends on various factors such as age, gender, occupation, and health status |
Paid Family Leave Insurance |
Up to 12 weeks of financial assistance for eligible employees to take care of a new child or to care for a family member with a serious illness or injury |
Depends on the employee’s average weekly wage, capped at $971.61 in 2021 |
Term Life Insurance |
Provides coverage for a certain period, ranging from one to thirty years |
Depends on various factors such as the policy amount, age, gender, health status, and tobacco usage |
Dental Insurance |
Provides coverage for preventive and restorative dental care |
Depends on the selected plan and the frequency of the dental visits |
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