Voluntary Benefits
Attention: Valued ESC Employee
For most of us, our greatest asset is the ability to get up every day, go to work and earn a living. A serious Accident or Illness that prevents you from working or leads to a premature death will often have a profound effect on your and or your family’s Financial Future.
Insurance policies geared toward providing Income and Lifestyle Protection are crucial for financial security and peace of mind. Recognizing the need for these types of programs on a cost-effective basis, ESC has teamed up with FJM & Associates of Buffalo, Inc. to offer access to the following programs:
Disability Insurance
Disability insurance provides financial support if you become unable to work due to illness or injury. It helps cover:
Life Insurance
Life insurance offers financial protection to your loved ones in the event of your death. It helps with:
These programs are designed to provide Pre-Arranged, Cash-Dollar Payments directly to you or your Beneficiary that may be used anyway you see fit. Both of these programs are available with Guaranteed Issue (No Medical Questions Asked) and through the convenience of Payroll Deduction.
Please take a few moments to review the programs listed below for more information and to schedule an appointment with one of the Benefit Specialists from FJM & Associates (either virtually or in-person), to review all your available options and to enroll you in the programs of your choice.
Kindly complete and submit the Contact Form* below, indicating which programs you are most interested in as well the best day/time/method for us to reach out to you.
* Please be sure to include the name of your COMPANY and STATE in the comments box.
(Select any one of the graphics below to see a brief description of the product.)
For most of us, our greatest asset is the ability to get up every day, go to work and earn a living. A serious Accident or Illness that prevents you from working or leads to a premature death will often have a profound effect on your and or your family’s Financial Future.
Insurance policies geared toward providing Income and Lifestyle Protection are crucial for financial security and peace of mind. Recognizing the need for these types of programs on a cost-effective basis, ESC has teamed up with FJM & Associates of Buffalo, Inc. to offer access to the following programs:
Disability Insurance
Disability insurance provides financial support if you become unable to work due to illness or injury. It helps cover:
- Lost income: Ensures you can still pay bills and maintain your lifestyle.
- Medical expenses: Assists with costs related to your disability.
- Rehabilitation: Supports your recovery and return to work.
Life Insurance
Life insurance offers financial protection to your loved ones in the event of your death. It helps with:
- Income replacement: Provides funds to support your family’s living expenses.
- Debt repayment: Covers outstanding debts like mortgages or loans.
- Future needs: Ensures funds for your children’s education or other long-term goals.
These programs are designed to provide Pre-Arranged, Cash-Dollar Payments directly to you or your Beneficiary that may be used anyway you see fit. Both of these programs are available with Guaranteed Issue (No Medical Questions Asked) and through the convenience of Payroll Deduction.
Please take a few moments to review the programs listed below for more information and to schedule an appointment with one of the Benefit Specialists from FJM & Associates (either virtually or in-person), to review all your available options and to enroll you in the programs of your choice.
Kindly complete and submit the Contact Form* below, indicating which programs you are most interested in as well the best day/time/method for us to reach out to you.
* Please be sure to include the name of your COMPANY and STATE in the comments box.
(Select any one of the graphics below to see a brief description of the product.)
