Business

The TCU Insurance Agency helps to maximize your health care investment, by taking the time to understand your goals and then searching for the best solutions. Our understanding of the health care industry helps you make sound health care decisions, and relieves you of the time-consuming burden of gathering and analyzing plan design information. The TCU Insurance Agency has the expertise and personnel to help you with a wide variety of insurance needs.

TCU Insurance Agency provides:

• Buy-Sell Funding
• Fully Insured Health
• Optional Life Insurance
• Long-Term Disability
• Group Dental
• 401(K) and Pension
• Stop Loss
• Partially Self-Funded Group Insurance
• Group Vision
• Key Man Insurance
• Group Long-Term Care
• Consulting Services

If your business offers a High Deductible Health Plan (HDHP) to employees, they can take advantage of TCU's Health Savings Account (HSA).

Saving money in your business does not have to come at the expense of your employees' health care costs. With TCU's Health Savings initiatives, many employers find it advantageous to use a High Deductible Health Plan (HDHP) combined with a Health Savings Account (HSA). This option provides you and your employees with the ability to manage and control health care costs by making educated choices. Plus, your employees are able to use their Health Savings Account to help save for the future.

Advantages of HSAs:

• Security - Your employees' High Deductible Health Plan (HDHP) and Health Savings Account (HSA) protect them against high or unexpected medical bills.
• Affordability - You may be able to lower your health insurance premiums by switching to health insurance coverage with a higher deductible. Without raising your costs, you can provide a way to save money and increase employee benefits.
• Flexibility - The funds in your employees' Health Savings Account (HSA) account can be used to meet health care obligations. Your employees can save for future needs, or pay for current medical expenses-the choice is theirs.

The HSA allows for future needs, such as:

• Health insurance or medical expenses if unemployed
• Medical expenses after retirement (before Medicare)
• Out-of-pocket expenses when covered by Medicare
• Long-term care expenses and insurance
• Savings - When saved for future medical expenses, the funds in a HSA can grow through investment earnings. This savings plan can help provide for health care security in future years.
• Accessibility - Funds accumulated in your employees' HSA accounts are accessible to them with their HSA Debit MasterCard®, by check, through Internet Banking or they can visit one of our many Service Centers. The funds are there when needed and they are easily accessible.

Teachers Credit Union offers an easy, convenient way to ensure your employees are paid on time, every time. Direct Deposit file processing cuts costs, and improves overall efficiency. Benefits include:

• Internet-based Direct Deposit package makes it as easy as point and click.
• Save time and money with no checks to print or reconcile; all reports are at your fingertips.

You may never have thought of TCU as an employee benefit, but your employees will definitely benefit from utilizing TCU services.

You and each of your employees are eligible to become a member/owner of the largest credit union in Indiana with over $2 billion in assets.

TCU Representatives can visit your employees on site to discuss services, answer questions, open accounts and assist with transactions. Our philosophy is simple. We don't use people to make money; TCU uses money to benefit members.

As an additional benefit, TCU offers you the opportunity to educate your employees on a variety of financial topics such as saving, budgeting, investments, estate planning, buying a home and identity theft. Plus, workshops and seminars can be adapted to your setting and educational needs.

At your convenience, we would welcome the opportunity to provide your employees with information about all of the benefits enjoyed by TCU members.