Benefit Resources
Everything You Need
In One Location
KBS is proud to serve as your guide for employee benefits. This page will help connect you to the critical resources and information connected to the benefits provided to you by your employer and the KBS Employee Benefit Solution team. Our team is ready to help you properly utilize your benefits and live a healthier, happier life.
Benefit Resources
Disclosure - Not all benefits offerings and benefit designs are exactly the same across the groups - please confirm with the KBS team or your HR team at your employer for unique program offerings and differences.
FSA and Dependent Care FSA (DCFSA) Coverage
Flexible Savings Accounts (FSAs) are a tax-advantaged way to help pay for medical expenses not covered by your existing coverages. FSAs allow you to set aside a portion of your earnings, pre-tax, to pay for approved medical expenses including copays, deductibles, and health care related items.
Plan Summary
Review your benefits and view plan summaries. ​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
This coverage is provided by Surency
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Toll Free: (866) 818-8805
Permanent Life Insurance
The loss of a loved one is always emotionally draining. Permanent life coverage ensures it is not financially draining as well. Permanent life insurance coverage allows you to:
• Retain life long insurance
• Retain fixed premiums and death benefits
• Retain coverage when you leave work
• Coverage available for your entire family
• Three coverage amounts to select from
Plan Summary
Review your benefits and view plan summaries. ​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Permanent Life coverage is provided by US Alliance
​
Toll Free: (866) 953-4675
Voluntary Term Life Coverage and AD&D
Voluntary Group Life Insurance and AD&D maximizes the security blanket left behind for your family and dependents in the event that you unexpectedly pass away. Voluntary life insurance policies close gaps that might otherwise exist in your coverage.
Plan Summary
Review your benefits and view plan summaries​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Voluntary Life and AD&D
coverage is provided by Guardian.
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Access Claims on Guardian Anytime
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Toll Free: (888) 600-1600
Accident Coverage
Life can be unpredictable and so too can the costs of unanticipated trips to the hospital or emergency room. The average cost of an emergency room visit in the U.S. is over $1,200, but accident insurance insulates you from the shock of such expenses by helping you pay for emergency room fees, co-pays, and hospital bills.
Plan Summary
Review your benefits and view plan summaries.
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Accident coverage is provided by Guardian
​
Access Claims on Guardian Anytime
​
Toll Free: (888) 600-1600
Critical Illness Coverage
Planning for unexpected illness is impossible, but planning for the financial burden of a critical illness is not. Critical illness coverage provides financial assistance to be used for minimizing out of pocket costs and other expenses like your mortgage, groceries, and bills during a time of extended illness.
Plan Summary
Review your benefits and view plan summaries.​
Quick Links
Easy access to tools and resources for your coverage
Provider Information
Your Critical Illness coverage is provided by Guardian.
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Access Claims on Guardian Anytime
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Toll Free: (888) 600-1600
Cancer Coverage
Cancer insurance is there to help when the unimaginable becomes reality. Cancer coverage can help cover the costs of cancer treatment and medication that might not be covered under existing medical coverage plans.
Plan Summary
Review your benefits and view plan summaries. ​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Cancer coverage is provided by Guardian
​
Toll Free: (888) 600-1600
Hospital Indemnity
Hospital Indemnity insurance works in conjunction with your health insurance coverage to limit the financial strain of extended hospital stays. Coverage provides a cash benefit for every day, week or month you are hospitalized and may include additional feature to help with out of pocket costs.
Plan Summary
Review your benefits and view plan summaries.​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Hospital Indemnity
coverage is provided by Guardian.
​​​
Access Claims on Guardian Anytime
​
Toll Free: (888) 600-1600
MASA Medical Transportation Coverage
MASA provides coverage for medical transportation including ground and air ambulance, both of which can cause surprise billings. MASA MTS offers peace of mind and a promise that anywhere in the United States, medical transportation will be covered.
Plan Summary
Review your benefits and view plan summaries. ​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your medical coverage is provided by MASA - Medical Transport Solutions
​
Toll Free: (800) 643-9023
Short Term Disability
Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work.
Plan Summary
Review your benefits and view plan summaries.​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Short Term Disability
coverage is provided by Guardian.
​​​
Access Claims on Guardian Anytime
​
Toll Free: (888) 600-1600
Retirement Plans
Our financial wellness and retirement consulting partner is Omni & TSACG. We have formed this partnership to help you achieve your retirement planning and wellness goals. To learn more about the utilization of this service, contact your HR team.
Benefits & Guides
Quick Links
Provider Information
Review your benefits and access important forms. ​
Easy access to tools and resources for your coverage​
Provided by OMNI & TSACG
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Visit https://www.tsacg.com/ for more information.
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Call (888) 796-3786
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Disclosure - Not all benefits offerings and benefit designs are exactly the same across the groups - please confirm with the KBS team or your HR team at your employer for unique program offerings and differences.
Health, Dental, and Vision Coverage
For information on your core benefit plans, please contact your Human Resources department or check the Forms Library on the enrollment site. Group coverage varies group to group and no plans are the same.
Employee Assistance Programs
Employee Assistance Programs (EAPs) provide resources that can make life easier for you and your family. From counseling, financial coaching, discount programs, and more, your EAP can be a helpful tool.
Benefits & Guides
Review your benefits and access important forms. ​
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
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Visit guidanceresources.com for more information.
Web ID: Guardian
​
24/7 Live Assistance
Call (855) 239-0743
​
Scan the QR Code to
download the Mobile
App.
Disclosure - Not all groups are utilizing the same EAP, please confirm with your HR team or our KBS team to learn more about your program offerings.
Cancer Coverage
Cancer insurance is there to help when the unimaginable becomes reality. Cancer coverage can help cover the costs of cancer treatment and medication that might not be covered under existing medical coverage plans.
Plan Summary
Review your benefits and view plan summaries.
Quick Links
Easy access to tools and resources for your coverage​
Provider Information
Your Cancer coverage is provided by Guardian.
​​​
Access Claims on Guardian Anytime
​
Toll Free: (888) 600-1600
More Resources for Group Admins
Connect with other EBS users and admins, find Guardian plan IDs, keep up to date with training information, and insurance benefit regulations.