Protecting a company financially is critical and stop-loss is an employer's safety net. With the Self-Funded Program through Allstate Benefits, stop-loss insurance is included in employers' monthly payments. This protects the employer against higher-than-expected claims. With level-funding, employers will never have to pay more than the amount, agreed upon up front, that they are responsible for funding the claims account each year.

By choosing a self-funded plan with stop-loss coverage, employers limit their risk, protect themselves against high claims, and have the potential for great savings. In some instances, they may even receive a refund in years claims are lower than anticipated.¹

Specific deductible claim infographic.

The aggregate deductible is the maximum amount the employer will pay for covered charges, regardless of if any specific deductibles are met. Once the plan hits the aggregate deductible, the stop-loss coverage kicks in for covered charges under the plan for the remainder of the year.

Aggregate deductible claim infographic.