
Bring Life, LTD, and CI Into Your Benefits Stack
Through our partnership with Camden Underwriting Agencies, BeniPlus now offers life, long-term disability, and critical illness coverage — all accessible and manageable through your BeniPlus dashboard.

Small and growing businesses often face a tough choice: pay high premiums for rigid plans or skip offering meaningful coverage altogether. With Camden Underwriting Agencies on the BeniPlus platform, that barrier is gone.
Employers can now access insurance protection products — life, LTD, and CI — seamlessly woven into the flexible benefits ecosystem they already know and trust.
Product
What it covers
Why it matters
Employer benefits

Life Insurance
Death benefit, accidental death & dismemberment (AD&D)
Provides financial security for families
Affordable way to strengthen your package

Long-Term Disability (LTD)
Salary replacement during extended disability
Protects income during recovery
Shows long-term commitment to employee wellbeing

Critical Illness (CI)
Lump-sum payout for serious illnesses (e.g. cancer, stroke, MS)
Financial cushion during health crises
Differentiates your offering in the talent market
Coverage type
Plan design details
Basic Life
$100,000 benefit; reduction of 50% at age 65; terminates at age 70
Dependent Life
$10,000 spouse / $5,000 child benefit; terminates at age 70
Accidental Death & Dismemberment (AD&D)
Same as Basic Life; maximum $100,000; reduction of 50% at age 65; terminates at age 70
Long-Term Disability (LTD)
66.67% of monthly earnings, up to $6,500; elimination period 120 days; benefit period to age 65; non-taxable
Pre-Existing Condition Clause
No benefits payable for pre-existing conditions within 90 days before membership; exclusion ends after 12 months
Definition of Disability
Own occupation for 2 years; then any gainful occupation suited by education, training, or experience
Do I need multiple employees to qualify?
One is enough — you can enrol just yourself or your whole team.
Can I add coverage mid-year?
Yes, prorating options are available.
How do employees submit claims?
The same way they already use Wallet — snap a photo or upload a receipt digitally.
Let’s Build Your Tailored Group Insurance Package
With BeniPlus and Camden Underwriting Agencies, you can give your team meaningful protection without complexity or wasted cost.

“BeniPlus has allowed our employees to choose to allocate benefits in the areas they actually use depending on their health, wellness, and retirement needs.”
Arif Khimani
President and COO, MobSquad




