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Employee Benefits

Are you looking for more cost-effective employee benefits? By providing employee benefits, employers find that they have less turnover and shows the commitment they are making to their employee's health, wellness and financial security. With Big I Maryland's employee benefit products, you can rest assured that your staff will be well protected.

The program is underwritten by The Guardian Life Insurance Company of America, a multi-line insurance group with many years of experience in the business and administered by a dedicated service team just for our members. Offering Group Life, Group Short & Long Term Disability, Group Dental and Group Vision, the program offers varying lines of coverage options to meet the diverse needs of our members and also provides guaranteed issue with certain requirements being met. Whether you are a new member or an existing one, we can enroll you in benefits at any time.

Questions? Contact Christine Munoz at IIABA at or 800-848-4401.

Employee Benefits Available

Group Term Life Insurance

This program not only can provide coverage for final expenses but also can help with a variety of other family needs. Life insurance can be used for estate settlement, probate costs, mortgage pay off, college expenses and payment of medical expenses to name a few.  The program offers guaranteed issue (with certain requirements being met), a variety of plan alternatives to fit your agency's needs, coverage for spouse and children and optional coverage for employees.

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Group Short Term Disability

Protect your greatest asset your ability to earn a living!  The Big "I" Long Term Disability program offers guaranteed issue (with certain requirements being met), up to $10,000 per month in benefits, a variety of plan alternatives to fit your agency's needs, special benefits for residual disability, your choice of waiting periods and waiver of premium.

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Group Long Term Disability

This program protects you from loss of income during an illness or accident that prevents you from working. The program offers guaranteed issue (with certain requirements being met), up to $650 in weekly benefits and a variety of plan alternatives to fit your agency's needs.

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Group Dental & Vision Insurance

This program offers two levels of coverage, basic and enhanced, with an extensive list of in-network preferred provider dentists. Also offering options for out-of-network coverage and orthodontic services. The Big "I" Vision program offers coverage through the Guardian with a choice between the VSP Choice network and the Davis Vision network.

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Retirement Planning Services

Having trouble deciding which retirement plan is right for you or your agency? Big I Retirement Services is here to help you choose which plan best meets your circumstances. We’ve worked with more than 1,000 agencies to help them achieve their retirement goals. With over 25 years in the retirement business, the Big "I" serves as a strong advocate for participating agencies. Whether it concerns a complicated transition from another provider, or perhaps a sale of the agency, we know your business, understand your market, and can grasp your needs. Whether your goal is to maximize owners contributions, lower your agency's tax burden, or retain key employees, our retirement professionals can tailor and customize a plan to fit your needs.

Roll Over Your Plan and Save

Our advisers are available to all IIABA members to provide consultation on existing and new plans alike at no cost or obligation. At Big "I" Retirement Services, we consider you a member first, and a client second. Whether we're building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money with our low administrative fees, we strive to make your experience with us pleasant, professional, and hassle-free.

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