Life Insurance/LTD/Voluntary Benefits

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Life Insurance/LTD/Voluntary Benefits

Insurance Policies


Policy Documents:

Enrollment at a Glance

Group Basic Life Insurance Summary

Group Supplemental life Insurance Summary

Group Long-Term Disability Insurance Summary

Group Personal Accident Insurance Summary


Enrollment Documents

Beneficiary Designation Request Form

Evidence of Insurability Form



Policy Documents:

Voluntary Benefits Overview

Premium Worksheet

Accident Insurance

Critical Illness

Short-Term Disability Insurance

Hospital Indemnity

Limitations and Exclusions


Interactive Educational Tools:  - for full-time hourly employees eligible for short-term disability  - formal other full-time or part-time employees not eligible for short-term disability




Flexible Spending Accounts

Flores & Associates

Policy Documents

Participant FSA Manual

Medical FSA 

Dependent FSA Care Guide

Debit Card Flyer

Allowable Over the Counter Expenses

Allowable Dependent Care Expenses

Ways to Submit a Claim


Medical FSA:

Dependent Care FSA:

Flores Debit Card: