Cruz Benefits Consultants
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Cruz Benefits Consultants
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Employee Benefits: Insurance Made Easy with CBC

Medical and Dental

Group Life and Disability

Group Life and Disability

 Comprehensive medical and dental plans to protect your employees’ health and smiles. Plans include preventive care, specialist access, prescription coverage, and network options. We’ll match benefits and premiums to your workforce needs and budget. 

Group Life and Disability

Group Life and Disability

Group Life and Disability

 Group life and disability solutions provide financial protection for employees and their families. Group life offers employer-paid or voluntary death benefits; disability plans replace a portion of income during short- or long-term illness or injury. Easy administration, competitive rates, and tailored benefit levels. 

Accident

Group Life and Disability

Accident

 Accident coverage pays benefits for injuries from covered accidents, helping offset medical bills, emergency care, and out-of-pocket expenses. Flexible benefit options and quick claims processing make this an affordable add-on to core health plans. 

Cancer

Short-Term Disability

Accident

 Cancer insurance provides lump-sum or recurring benefits upon diagnosis to cover treatment costs, travel, experimental therapies, and household expenses. Policies are designed to supplement medical coverage and reduce financial strain during treatment. 

Critical Illness

Short-Term Disability

Short-Term Disability

 Short term disability replaces a portion of an employee’s income for a limited period following a qualifying illness or injury. Benefit periods and elimination periods are customizable to balance cost and protection, ensuring employees can focus on recovery without immediate financial pressure. 

Short-Term Disability

Short-Term Disability

Short-Term Disability

 Short term disability replaces a portion of an employee’s income for a limited period following a qualifying illness or injury. Benefit periods and elimination periods are customizable to balance cost and protection, ensuring employees can focus on recovery without immediate financial pressure. 

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Cruz Benefits Consultants

138 East Marine Corps Drive, J&G Commercial complex Suite 108, HAGATNA, GU 96910

(671) 472-3522

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