Employee benefits

Work with one dedicated partner to help meet your employee benefit needs

Section 125 plan benefit services (Cafeteria Plan)

Simplicity for you. Options for your employees. Savings for everyone.
female educator helping students

A Section 125 plan is a cost-effective way for you to offer valuable benefits to your employees. Flexible spending accounts allow your employees to pay for unreimbursed medical care and dependent care expenses with pre-tax dollars. Supplemental insurance can provide help with both medical and nonmedical out-of-pocket expenses associated with accidents or sudden illnesses.

Our team is dedicated to helping you implement a program that enhances your employee benefits, streamlines your processes and saves you money, while helping you stay compliant with our customized plan document and design services.

  • Flexible Spending Accounts (FSAs)
    • Health care
    • Dependent care
  • Health Savings Accounts (HSAs)
  • Limited Purpose FSAs
  • Health Reimbursement Arrangements (HRAs)
  • Supplemental Benefits
    • Cancer
    • Heart
    • Accident
    • Disability
    • Hospital

Benefits for you and your employees
employer

Employer

  • Reduced FICA tax liability
  • Helps relieve pressure of health care costs
employee

Employee

  • Federal income tax savings
  • Increased take-home pay
Supporting your program’s success
education

Education

We provide customized education that helps employees understand their options and get answers to their questions.

  • Informational group meetings
  • Educational resources
  • Dedicated representative
enrollment

Enrollment

Coupled with education, our individual enrollment support helps increase plan participation so you can realize greater savings.

  • Flexible enrollment options
  • Individual benefit reviews
  • Turnkey enrollment resources and support
ease of doing business

Ease of doing business

Our best-in-class administrative services offer a seamless experience for you and your employees.

  • Flexible employer funding options
  • Simple claims submission and processing for employees
  • Streamlined website, mobile app and 24/7 customer support

Supplemental insurance

Supplemental insurance

An accident or serious illness could turn an employee's world upside down. And although your employees may have health insurance and possibly some savings, it may not be enough to cover all of the costs – that's where supplemental insurance comes in.

Supplemental insurance is designed to help fill this gap by providing benefits for out-of-pocket medical and non-medical expenses associated with a covered injury or illness. You can offer a variety of supplemental insurance products to help your employees prepare for the unexpected. And they’re more affordable than you may think.

  • Cancer
  • Heart
  • Accident
  • Hospital
  • Disability

Retirement savings

We’ve been helping educators plan for retirement since 1961, and we believe in giving you the resources to help your employees achieve financial well-being for a lifetime.

While most educators receive a pension from their state teachers’ retirement system after they retire, the money from a pension typically does not match their pre-retirement salaries. Providing a 403(b) or 457(b) plan to your employees can help them supplement their retirement income. We offer a variety of products for any 403(b) or 457(b) plan you establish so you can help give your employees the flexibility to meet their individual investment needs and risk tolerance.

male educator helping student

Group life insurance

family reading book

Offering group term life insurance through Horace Mann Life Insurance Company lets you provide additional peace of mind for your employees at relatively little or no cost to you. Our plans offer a variety of features and plan designs that allow employees to customize their protection while taking advantage of group rates.

  • Basic life insurance (employer paid)
  • Supplemental/optional life insurance (employee paid)
  • Dependent life insurance
  • Accidental Death and Dismemberment

HealthEquity, Inc. and/or WageWorks, Inc., its wholly owned subsidiary, provides certain administrative services for consumer-directed benefit accounts, including HSAs, FSAs and HRAs. HealthEquity, Inc. and WageWorks, Inc. are not affiliated with the Horace Mann Companies, and are independent third parties. Horace Mann Life Insurance Company underwrites Horace Mann life insurance products. Horace Mann Life Insurance Company underwrites Horace Mann annuity products. National Teachers Associates Life Insurance Company, a Horace Mann Company, underwrites Horace Mann supplemental insurance products. Not all products available in all states.

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