Your Benefits Hub

This year, Community Title is partnering with Clarity Enrollment Solutions for annual enrollment.

During your individual benefits review session, the Clarity benefit counselor will  walk you through your benefits options to help ensure you're making the best decisions for you and your family. 

Read on for more information about your choices, including videos and other plan information.

Select your location to schedule your individual benefits education and enrollment meeting

Des Moines

December 4 & 5

Other Locations

December 4 - 8

Medical Insurance

Health Insurance is designed to provide protection for you and your dependents in the event that you require medical care. Remember that you can help to keep your plan costs low. Although you are not required to see a network provider, your expenses will be less when you seek care within the network. Most importantly, make sure you understand your plan so that you can use your medical benefits wisely.

Dental Insurance

Dental Coverage is designed to provide protection to you and/or your family in the event that you require dental services during the year. Your plan is designed to encourage regular visits to your dentist, which is essential to maintaining oral health, and to provide coverage for basic diagnostic and preventive dental needs.

Learn more about your Dental Insurance:

Vision Insurance

The plan provides reimbursement for eye exam, lenses, frames, contact lenses, and LASIK coverage. Employees may purchase coverage for spouse and/or children.

Flexible Spending Accounts

Save money on your healthcare and/or dependent day care expenses with a Flexible Spending Account.

Learn more about Medical Flexible Spending Account:

Learn more about Dependent Care Flexible Spending Account:

Health Savings Accounts

A health savings account (HSA) is a tax-advantaged medical savings account available to employees who are enrolled in a high-deductible health plan (HDHP).

Health Savings Accounts are regulated by the IRS and specific rules apply for eligibility and preferential tax status apply. 

Learn more about Health Savings Accounts:

Term Life Insurance

Life insurance provides financial security for the people who depend on you. Your beneficiaries will receive a lump sum payment if you die while employed by Community Title.

Community Title pays for a basic term life and AD&D benefit for eligible employees.

You may also purchase additional coverage for yourself and your dependents.

Disability Insurance

Disability Insurance helps to replace a portion of your income if you are unable to work due to illness or injury.

Short Term Disability

You can enroll in Short Term Disability Insurance. You can choose a benefit amount that works for your budget.

Long Term Disability

First Dakota Title pays for Long Term Disability Insurance for you.

Accident Insurance

Accident insurance helps pay for covered accidents while you're on the road to recovery

Met Life Accident Insurance coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need.

 

Examples of covered injuries include:
  • broken bones

  • burns

  • torn ligaments

  • cuts repaired by stitches

  • And more!

Learn More about Accident Insurance

Critical Illness Insurance

Many people are not adequately prepared financially when faced with a serious illness, despite having good medical coverage. Critical illness insurance can help lessen the burden of increased out-of-pocket expenses so that you can focus on recovery instead of your finances.

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness.  You choose the level of coverage and you can use the money any way you see fit.

Covered Conditions Include: 
  • Heart attack
  • Certain cancers
  • Stroke
  • Kidney failure
  • Alzheimer’s Disease
  • Major organ transplant
  • And More
Learn More about Critical Illness Insurance

Hospital Indemnity Insurance

Would a trip to the hospital leave your finances in serious condition? Hospital Indemnity Insurance from MetLife can help.

Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay.  It can also provide funds that can be used to help pay the out-of-pocket expenses your medical plan may not cover, such as con-insurance, co-pays and deductibles.

Learn More about Hospital Indemnity Insurance