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WCA Group Insurance Plans


New WCA Exclusive Member Insurance Benefits
The Wisconsin Chiropractic Association, in partnership with Benefit Advisors & The BenefitWorks, is excited to introduce NEW Association benefits for WCA members.


WCA has partnered with two companies for non-medical benefits, Companion Life Insurance and LegalShield. Together, these companies are offering WCA members the most innovative, practical, and unique benefits available.


The "Defined Contribution Plan" through Companion Life Insurance  is one-of-a-kind. Through this plan, you can offer big business benefits on a small business budget.


How it Works: Each DC office (with 2 or more employees) chooses a dollar amount that will go towards these benefits. Think of it as a 'gift card to the employee benefits store.' The minimum amount requested by Companion Life is only $25 per employee per month; however, you may choose to spend more or less than this amount. Eligible employees are those who work more than 20 hours per week. The employees then choose between the following benefit offerings:


  •  Life and AD&D Insurance (*requires 100% participation)
  •  Voluntary Life Insurance
  •  Short-Term Disability
  •  Dental Insurance
  •  Vision Insurance
  •  Critical Illness Coverage

If the employee only spends up to the "Defined Contribution," he/she will owe nothing for benefits. If an employee chooses to spend more, any amount over will be payroll deducted. For a very low minimum monthly cost, you can now offer a full range of employee benefits without worrying about participation requirements or different contribution amounts per coverage offerings.


Base Life/AD&D
-Requires 100% employee participation
-Employer choice of an employee amount up to $50,000
-There is automatic coverage for spouses & children

Voluntary Life/AD&D
-Employee choice of up to $100,000

-Coverage options for spouses and children also available

Short-Term Disability
-Employer choice of elimination period and benefit duration
-Employer choice of up to 2 of the 3 weekly benefit amounts (Flat $100, Flat $200, or 60% of earnings up to $1,250)


-2 Plan options available
-$10 copay for annual eye exams

-4 Plan options available
-3 out of the 4 plans include orthodontia coverage for children
-100% coverage for preventative

Critical Illness
-$5,000 payout amount
-Covers heart attack, stroke, cancer, paralysis, etc


Group Long-Term Disability (2-9 employees, employer-paid) is available through Companion Life:

-Employer choice of elimination period
-2-5 employees: $3,000 maximum monthly benefit
-6-9 employees: $6,000 maximum monthly benefit - GUARANTEED ISSUE

Individual Long-Term Disability (2-9 employees, employer-paid) is available through Mutual of Omaha:
-Your choice of elimination period, benefit duration, and monthly benefit amount

Interested in more information about WCA's Exclusive Member Insurance Benefits through Companion Life? Contact:

Jerry Den Boer
Benefit Advisors Insurance Agency

Julie Allord
The BenefitWorks

LegalShield gives you and your employees the ability to pick up the phone and contact your law firm for any situation, traumatic or trivial, without ever receiving a high hourly bill. For a low flat monthly fee (or payroll deduction) you can have unlimited access to your law firm for advice and consultation.


IDShield is the premier Identity Theft program in the United States. Powered by Kroll, Inc., it is the only service which does full restoration.of your identity with licensed private investigators. They will do whatever it takes for as long as it takes to restore you back to pre-theft status, and back that up with a $5 Million Service Guarantee. Additionally, they monitor your driver's license, passport, SSN, social media sites, and much more, not just your credit files. Both benefits are available to DCs and their employees as follows:


  • No minimum participation. Any DC or employee can enroll online for the group rate on a direct pay basis.
  • With 5 or more employees enrolling, there's an option to payroll deduct the benefit. You can include this in your Defined Contribution Amount, expanding your benefit offering.
  • With a LegalShield Small Business Plan and 3 enrolling employees, you have the option to payroll deduct the benefit and can also include it in your Defined Contribution Plan.

Learn More about Business & Personal protection with LegalShield/IDShield>>

You may also contact:








Steve Schwartzer
Heartland Benefits Group, LLC
(608) 235-4241

Want to Join the WCA today!?

Please contact WCA Membership & Program Director Brenda Toler, or 608-256-7023.