Dental care costs are skyrocketing! Adequate dental coverage for a whole family can make a huge dent in your annual budget.

To alleviate this problem, Benefit Design Services, in conjunction with several insurance companies, has developed comprehensive - yet inexpensive - voluntary dental plans, to help you provide the necessary dental care for everyone in your family.

Many of these programs actually pay for themselves by covering your family's routine dental exams.

Long Term Care Insurance
Many people think that long-term care is something that only the elderly need to worry about. But the facts say otherwise.

Here are some important facts:

  • Forty percent of Americans currently receiving long term care are under the age of 65.
  • Right now, nearly 1.5 million Americans live in a long-term care facility, with another five million requiring some kind of daily living assistance.
  • The national average cost of nursing home care is currently $41,000 per year... with generally over 30% of that fee being paid out-of-pocket.

Long-term care insurance, through BDS, helps to protect against the high costs of an extended illness or disability. We offer a product which provides the following:

  • You can receive care at home or in a long- term care facility. You make the choice.
  • No coordination of benefits with Medicare or other insurance.
  • Respite Care benefits to relieve a caregiver when needed
  • You do not need to be hospitalized in order to receive benefits.
  • The Total Home Care option will pay benefits regardless of who provides home care.

Start considering your long-term care options now.

Critical Illness Insurance
Most people expect that their health insurance policies will pay for all their expenses in the event of a critical illness, however, due to many hidden costs of a critical illness financial needs often far exceed the coverage of a standard medical plan. A family can be hit hard by overwhelming medical expenses and loss of income.

Explore the benefits of a critical illness policy through Benefit Design Services, Inc. A critical illness policy pays a lump sum benefit (in the format of your choice) for covered illnesses, including but not limited to heart attack, stroke, major organ transplant, and coronary artery bypass surgery.

We'll be happy to answer your questions about any of these plans.

Call our customer service center at 800-982-9280.


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