Benefit Packages

As healthcare and insurance expenses continue to rise, employees are left with less and less. Potential Internet and travel threats have also become part of our daily lives. We are left to believe it can only get worse; however, things don’t have to be this way. cynoSure Financial's past success in the benefit enhancements industry has enabled us to offer high value benefit packages at minimal cost. We have arranged the following benefit packages to offer your employees “peace of mind.”

Auto Protection Package

Health Protection Package

Home Protection Package

Security Protection Package

Travel Protection Package

Auto Protection Package

cynoSure Financial’s Auto Protection package will ensure that your member and his/her vehicle are covered with many benefits and services to assist in reducing the cost of owning and servicing a car.

Who is Covered: Enrolled Member

Whenever the term “Member”, “you” or “your” is used, it shall refer to the enrolled Member. The term “you” or “your” shall also include each Family Member. “Family Member” means the Member’s spouse and all unmarried children under 21 years of age (or less than 23 years of age if a full-time student at an accredited college or university), who have the same principal residence as the Member.

Included Benefits

Roadside Assistance

• “Sign and Drive” Roadside Assistance – Industry best for on-time arrival and customer service!
• Up to 25 miles tow guaranteed. No “out of pocket” cost to customer per occurrence.
• Program includes Jump Start, Fluid Delivery, Tire Changes, Lockout, and Trip Routing Services.

Automobile Emergency Medical Expense

• Provides protection in the event emergency room treatment is required as a result of an accident that occurs in a vehicle. Benefit will pay up to $5,000 per occurrence, per year.

Auto Deductible Reimbursement

• Pays up to $500 when claim is filed and paid with primary insurance carrier.
• Covers deductibles in Comprehensive and Collision claims

Lemon Law Coverage

• Replacement or reimbursement cost of vehicle, up to $15,000, if vehicle is determined to be a lemon by the state DMV.

Expert Opinion Hotline

• Repair referral: call the toll-free hotline and receive referrals to the qualified repair facilities near you.
• Repair confirmation: call the toll-free hotline to talk with an ASE Certified Master Technician to obtain a second opinion regarding the appropriateness of the proposed repairs.
• Service confirmation: obtain information such as Technical Service Bulletins (TSB) available on their vehicle or to confirm manufacturers’ suggested service intervals.
• Cost confirmation: discuss the estimates of costs for proposed repairs with an ASE Certified Master Technician. The technicians will give their opinion on the appropriateness of the repair costs based on the customer’s information and referencing published, universally accepted, repair manuals (Mitchell’s, ALLDATA). Access to ASE certified Mechanics.

Health Protection Package

cynoSure Financial's Health Protection Plus package provides a unique grouping of protection benefits and services to assist and enhance your members' current health benefits package.

Who is Covered: Enrolled Member

Whenever the term “Member”, “you” or “your” is used, it shall refer to the enrolled Member. The term “you” or “your” shall also include each Family Member. “Family Member” means the Member’s spouse and all unmarried children under 21 years of age (or less than 23 years of age if a full-time student at an accredited college or university), who have the same principal residence as the Member.

Included Benefits

Health Insurance Deductible Reimbursement

• Coverage up to your deductible amount or $500, whichever is less
• Covers you and your family if hospitalized as a result of an accident that occurs in the home

24 Hour Nurse Line

• Unlimited access to licensed, registered nurses through a toll-free number 24 hours per day, 365 days per year. Information is kept confidential.
• Unlimited home-care advice and recommendation based on more than 600 physician approved guidelines from registered nurses
• Decision support for certain high-cost, high-practice-variation health conditions and diagnoses
• Information about prescription usage and over-the-counter medication usage and drug interaction
• Information on a wide range of health and medical concerns including nutrition and wellness topics
• Audio health information library of more than 1100 recorded topics and more than 550 topics also available in Spanish

Dental Network

• Provider Network: Over 71,000 available dental practice locations nationwide
• Discount Range: Save 15% to 50% on everything from general dentistry and cleaning to root canals, crowns and orthodontia
• Simply schedule an appointment with a provider with a toll-free number

Vision - Eye Care International

• Over 13,000 Ophthalmologists, Optometrists
• Opticians and optical outlets nationwide
• One free eye exam per membership per calendar year
• Save 20% to 60% on the purchase of prescription glasses
• Save 20% to 60% on all ophthalmologic services and 15% savings on Lasik
• Save 10% to 60% on the retail purchase of contact lenses
• Wholesale pricing and no limits on use

Home Protection Package

cynoSure Financial's Home Protection package provides a unique grouping of protection benefits and services to assist your member through many day-to-day aspects of life. Coverage is comprehensive and protects the entire family against real and legitimate unforeseen expenses. Coverage begins on the date of enrollment and is available for as long as premiums are paid and individual remains an employee in good standing.

Who is Covered: Enrolled Member

Whenever the term “Member”, “you” or “your” is used, it shall refer to the enrolled Member. The term “you” or “your” shall also include each Family Member. “Family Member” means the Member’s spouse and all unmarried children under 21 years of age (or less than 23 years of age if a full-time student at an accredited college or university), who have the same principal residence as the Member.

Included Benefits

Home Deductible Reimbursement Protection

• Supplements current homeowners or renters insurance by paying the deductible, up to $500 when an insured loss occurs

Emergency Protection

• Provides protection in the event emergency room treatment is required as a result of an accident that occurs in the home. Benefit will pay up to $5,000 per occurrence, per year.

Identity Theft Restoration Services

• Provides consulting services to identity theft victim via email or telephone
• Provides ability to enroll in “assisted” or “managed” credit monitoring
• Provides assistance in reading and understanding credit reports
• Performs Crisis Management if needed
• Identifies all types of identity theft
• Determines nature and extent of identity theft
• Completes “ID Theft Recovery” Kit(s) based on victim’s residential address, type of identity theft, and number of thefts
• Utilizes Limited Power of Attorney that allows Administrator to act on victim’s behalf
• Mails completed “Kits” and supporting documentation to all three credit bureaus, the Social Security Administration, the Federal Trade Commission, the U.S. Postal Service and other local, state and federal agencies as needed
• Keeps victim informed and updated of restoration process until completed

Ticket Guard Event

• Covers nonrefundable tickets for entertainment, theatrical and recreational events should the individual not be able to attend a scheduled event for a covered reason. Benefit will pay up to $1,000 per year.

Security Protection Package

cynoSure Financial's Security Protection package provides a comprehensive set of tools and educational information to ensure the safety of your members' confidential information while using the Internet to shop, conduct banking and investment activities, or just to surf the net.

Who is Covered: Enrolled Member

Whenever the term “Member”, “you” or “your” is used, it shall refer to the enrolled Member. The term “you” or “your” shall also include each Family Member. “Family Member” means the Member’s spouse and all unmarried children under 21 years of age (or less than 23 years of age if a full-time student at an accredited college or university), who have the same principal residence as the Member.

Included Benefits

Auction Fraud Protection

• Covers all on line auction sites
• Protects against non delivery and misrepresentation on new and used items up to $200.00, up to a maximum of $1,000 for all transactions during a 12 month period

Identity Theft Restoration Services

• Provides consulting services to identity theft victim
• Provides ability to enroll in “assisted” or “managed” credit monitoring
• Provides assistance in reading and understanding credit reports
• Performs Crisis Management if needed
• Identifies all types of identity theft
• Determines nature and extent of identity theft
• Completes “ID Theft Recovery” Kit(s) based on victim’s residential address, type of identity theft, and number of thefts
• Utilizes Limited Power of Attorney that allows Administrator to act on victim’s behalf
• Mails completed “Kits” and supporting documentation to all three credit bureaus, the Social Security Administration, the Federal Trade Commission, the U.S. Postal Service and other local, state and federal agencies as needed
• Keeps victim informed and updated of restoration process until completed

Price Guarantee – Same Store

• Purchase an item and see it advertised for less at any store within 60 days from the date of purchase, and you will be reimbursed the difference, up to $250 per claim, $1,000 per year

Purchase Protection

• Provides protection for the first 90 days after the purchase against direct physical damage, loss or theft, except as herein provided, on purchases made in the U.S. when paid with a credit or debit card, or personal check. Up to $5,000 protection per year.

Warranty Registration

• Provides secure storage and retrieval of member’s warranties and receipts
• Members can choose on-line or mail-in registration. Representatives available 8 am to 7 pm (Eastern Time) Monday through Friday.

Travel Protection Package

cynoSure Financial's Travel Protection package provides a comprehensive set of benefits to ensure the safety and comfort of your members.

Who is Covered: Enrolled Member

Whenever the term “Member”, “you” or “your” is used, it shall refer to the enrolled Member. The term “you” or “your” shall also include each Family Member. “Family Member” means the Member’s spouse and all unmarried children under 21 years of age (or less than 23 years of age if a full-time student at an accredited college or university), who have the same principal residence as the Member.

Included Benefits

Hotel Overbooking

• Reimbursement of expenses incurred when a previously made reservation is not honored because of hotel overbooking
• Expenses reimbursed up to $500 per trip, $1,000 per year
• Reimbursable expenses include costs for another room, telephone calls, cab fares, etc.

Baggage Delay

• Reimbursement of expenses incurred when baggage is delayed for 12 hours or more beyond the actual time of arrival at final destination
• Expenses reimbursed up to $250 per trip, $500 per year
• Reimbursable expenses include costs for food, parking fees, ticket exchange fees, etc.

Trip Delay/Trip Interruption

• Reimbursement of expenses if trip is delayed because of carrier delay, lost or stolen passport, travel documents or money, quarantine, national disaster, injury or sickness of Member
• Expenses reimbursed up to $500 per trip
• Reimbursement of expenses if trip is interrupted due to sickness, injury or death of Member
• Expenses reimbursed up to $500 per trip

Hotel/Motel – Fire/Theft

• Reimbursement of the cost to replace personal property in the possession of the Member while traveling that is stolen or destroyed by fire while in the hotel/motel room in which the Member is a registered guest
• Costs reimbursed up to $250 per claim, $500 per year
• Covered items include camera, cell phone, PDA, etc.

Emergency Lodging

• Reimbursement of expenses incurred for a hotel room if a Member’s automobile breaks down more than 100 miles from his/her primary residence and cannot be driven for more than 24 hours
• Expenses reimbursed up to $100 per day, $500 per year
• Reimbursed expenses include costs for hotel room and food

To learn more about these packages, please contact Mona Lynch at 415-839-9456, or email her at ml@cynosurefinancial.com.