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Disability Insurance Protect one of your most valuable assets, Your Income, with Disability Insurance. Having homeowners protection and auto insurance provides peace of mind if you ever need to file a claim for home damage or a car accident. But, what about the peace of mind in knowing you can continue to pay everyday living expenses if you become too sick or hurt to work? Protect your financial foundation — your income — in the event of a disabling illness or injury with Individual Disability Income (DI) insurance. Insuring your income Protecting your financial security. The premium for an Individual DI policy is typically just 1 to 3% of what you earn — often less than the cost of a monthly date night, buying lunch every day or your monthly technology needs (smartphone, internet and cable service). The Benefit Store offers several Types of Disability Insurance Policies for both individuals and business owners with 10 highly rated carriers. Most policies can be catered to meet your individual needs based on your goals and options desired. Ask us about disability insurance First Name Last Name Email Phone Home Zip Code Message Send me the Monthly Newsletter Send Your data is encrypted with a Comodo SSL Security Certificate Types of Disability Insurance Individual Disability insurance can replace a portion of lost income if you are unable to work due to sickness or injury. It can help you to meet your financial obligations and maintain your current lifestyle. Some of the benefits Individual Disability Insurance include: Monthly Benefit Payments - After an initial waiting period, benefits are paid for each month you can't work through the policy's maximum benefit period Non-cancelable and Guaranteed Renewable Coverage Available - Provided premiums are paid on time, your insurance cannot be canceled or changed. Your coverage or premium rates remain the same from the first premium due date until on or after your 67th birthday. Up to 66% Income Replacement for Individuals - Benefits from your disability policy are paid to you income tax free for the length of any long term or total disability Own Occupation - If you become totally disabled from your occupation and choose to work in another occupation, you’ll receive full benefits, regardless of the income you earn from the other occupation Residual and Recovery Benefit - Pays you when you are partially disabled and not earning 100% of your pre-disability earnings. Your Residual benefit will pay you relative to your loss of income. If you can only earn 50% of your previous income, your residual benefit will be 50% of your disability benefit until you get back to your full income. ! Widget Didn’t Load Check your internet and refresh this page. If that doesn’t work, contact us. Protect your Business with Business Overhead Expense Business Overhead Expense insurance assures the business owner will have a business to come back to after recovering from an injury or sickness. Or have a business to sell that has not depreciated if not coming back. Some of the Benefits from Business Overhead Expense Insurance Include: Reimburse the small Business Owner - the fixed expenses of their business Including, Rent, Utilities, Insurance and Employees Salaries. Tax Advantages - Premiums for Business Overhead Expense Insurance are tax deductible to the business. Benefits can be payable after 30 days - benefits can begin after 30, 60 or 90 days. Benefit Update - assures the business owner can increase coverage as his expenses increase with no additional underwriting Residual Benefit - pays a partial benefit if the business owners can only performs some (not all) of their daily duties Key Person Replacement Key Person Replacement is an efficient way to provide successful businesses with the funds necessary to financially handle the loss of a key employee or executive due to a total long-term illness or injury that prevents them from performing their job duties. Benefits can be used at the discretion of the employer, but common uses include: Recruitment and training costs for a sound replacement Indemnify the company for lost revenue and profits Temporary staffing needs Funds can be available to the business in a short as 30 days after an injury or illness of the Key Employee to help keep the business operating smoothly. Benefits can be paid monthly for up to 1 year or until the employee is recovered and back to work full-time. If the Key Employee has not returned after 12 months, a Lump Sum payment can be paid to help recover lost future revenue. Disability Buyout for Business Owners Disability Buy-Out insurance reimburses the Business or Policyholder for the purchase of a totally disabled insured’s interest in the business under a buy-sell agreement. These funds allow you and your partners to: Maximize the financial return when the business is transferred, while minimizing the tax liability. Help the business survive a partner’s departure — allowing remaining owners and their families to receive the full value. Protect the disabled partners value in the business during a difficult time of recovery Benefits can be paid after 365 days of disability in either a lump sum or installments up to 5 years subject to the terms of their buy-sell agreement.

About Us At The Benefits Store, we are a leading Health Care Insurance Brokerage and Third Party Administrator (TPA) with a rich history of serving members of California Local Real Estate Associations since 1984. Our mission is to provide exclusive, tailor-made health insurance solutions, which encompass Medical, Dental, Vision and Life coverages along with Legal Shield and ID Shield protections. As a trusted TPA, we are also licensed to handle premium billing, payment processing, and efficient remittance services for these essential products. Our commitment to excellence and our deep industry expertise have made us the go-to source for Real Estate Professionals seeking comprehensive health insurance solutions in California. Discover the benefits of choosing The Benefits Store today! A message from our President Roger Smith, President What Makes Us Unique Who We Are At The Benefits Store, we wear two hats with pride: Health Care Insurance Broker and Third Party Administrator (TPA). Our services encompass an array of health insurance programs and related coverages, including Dental, Vision, Life, Disability, Medicare along with Legal Shield and ID Shield protections and more. Also holding a valuable TPA license that allows us to provide Third Party Administration services to California Associations and their membership. Realtor® Association Platform Our journey has been intertwined with California's 100+ Local Realtor® Associations. For almost four decades, we've diligently served their members, offering benefits that enhance their lives. Of Special Interest: The Benefits Store extends its comprehensive portfolio to both Association Realtors@ and Affiliate Members. Our plans include group programs such as Kaiser (20+ plan options) and Anthem Blue Cross (60+ plan options) along with an extensive selection of employer group and individual plans, all with 'Guaranteed Issue'. This means that we welcome subscribers without regard to their past or current health history. Benefits Store and California’s Health Exchange – Covered California (Covered CA) Our team has Brokers who've successfully navigated the rigorous Covered CA licensing requirements, making them Certified to guide consumers through California's Health Exchange enrollment process. This journey can be complex for individuals attempting it alone. With no price-saving benefits for clients enrolling independently, it's typically advisable to seek assistance from a Benefits Store Broker. Customer Service and Support Systems At The Benefits Store, providing top-notch customer experiences is a core part of our mission. Our office staff is always at your service, offering answers to billing inquiries, helping with account balances, guiding you through the plan renewal process, and addressing various administrative matters. Our Brokers are equally committed to delivering exceptional customer experiences, whether explaining plan benefits, discussing options and premiums, or assisting with applications and claims issues. Monthly E-Newsletter We diligently research content from reputable third-party sources including Science Daily, Popular Science, WebMD, Psychology Today and more, focusing on how various health care topics directly affect our clients. These articles are sent directly to the Associations and our clients. Our E-Newsletter can be easily shared, providing valuable content for Association websites and electronic communications to Association Members. Client Communications The health insurance landscape is ever-evolving, marked by constant change. To keep our clients and Association members well-informed, we email regular updates and use social media channels of Facebook, Linked In and (X) to provide timely updates on the most significant developments in the health care marketplace and to communicate topics of interest that can directly impact health and health care coverage. –Roger Smith, President

CREBP Group Program Information Affiliate, Corporate, and Realtor© Association Members can choose from CREBP packages with more than 60+ Anthem Blue Cross® Group Plan Options and more than 20+ Kaiser® Group Plan Options. These plan options are exclusively available to members of Local Real Estate Associations in California. New Association Members are immediately eligible on the 1st of the month following their membership. CREBP Benefit Package w/Anthem Blue Cross® Medical Includes Anthem Blue Cross Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee Find My Plan CREBPT Benefit Package w/Kaiser® Medical Includes Kaiser Medical Plan, Principal Dental Access Plan , Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee Find My Plan Anthem Blue Cross Anthem Blue Cross understands that our health care needs connect us to each other. What we all do impacts those around us. So, Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities. NOTE: Anthem’s network of PPO and HMO providers provides access to the largest number of health professionals. Kaiser Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Your care team works with you to give you the care you need, when you need it — and you get convenient resources to stay in control of your plan and your health care including on-line access to doctors and one-stop care at Kaiser facilities for medical, testing and pharmacy needs. Why do you need health coverage? Protection from the unexpected Being healthy is easier with preventive care Required by the California Individual Mandate as of 2020 Why should you get a CREBP health plan with Anthem Blue Cross® or Kaiser®? Experience you can count on Health care plans that fit the way you live Online tools to help manage your health care Telemedicine services available 24/7.. How to choose the right health insurance plan for you Understand your health care needs Compare options Select a plan and enroll

Vision plays a major role in how we experience the world, yet many people only schedule an eye exam when they notice a problem. During Low Vision Awareness Month , it’s a good reminder that regular eye exams aren’t just about updating prescriptions - they’re an important part of protecting long-term vision health. Routine eye care can help identify changes early, support overall wellness, and play a key role in managing conditions that affect vision over time. Eye Exams Do More Than Check Your Vision An eye exam isn’t only about how clearly you see. During a comprehensive exam, eye care professionals can: Detect early signs of eye conditions Monitor changes in vision over time Identify issues that may not cause symptoms right away Support overall eye and visual health Many vision conditions develop gradually, making regular exams especially important. Early Detection Can Make a Meaningful Difference Some vision issues - including those that can lead to low vision - may not be noticeable in their early stages. Routine eye exams help with: Identifying concerns before vision loss progresses Monitoring existing eye conditions Supporting timely treatment or management Early detection can help preserve vision and improve quality of life over the long term. Vision Health Is Connected to Overall Health Eye exams can sometimes reveal signs of broader health conditions, such as diabetes or high blood pressure. Because the eyes provide a unique view into the body’s blood vessels and nerves, regular exams can support overall health awareness - not just vision care. Eye Care Matters at Every Age Regular eye exams are important throughout life: Children and teens  benefit from exams that support learning and development Adults  can monitor changes related to work, screen use, or lifestyle Older adults  can stay ahead of age-related vision changes No matter your age, routine eye care helps support healthy vision over time. The Role of Vision Benefits Vision benefits can help make regular eye exams and ongoing care more accessible. Coverage may include exams, lenses, and other services that support long-term vision health and early detection of potential issues. Understanding your vision benefits makes it easier to prioritize preventive care rather than waiting until a problem arises. Take a Proactive Step for Your Vision Protecting your vision starts with awareness and routine care. Regular eye exams are a simple but powerful way to support eye health today - and for years to come. The Benefits Store is ready to help you find vision coverage that fits your needs and supports ongoing eye care. 👉 Request a quote to explore your vision benefit options.

Eating disorders are often misunderstood, but at their core, they are mental health conditions - not lifestyle choices or phases someone can simply “snap out of.” They can affect people of all ages, genders, and backgrounds, and they often develop quietly over time. Raising awareness and encouraging early support can make a meaningful difference in recovery and overall well-being. Eating Disorders and Mental Health Are Closely Connected Eating disorders are complex conditions that are closely linked to emotional and psychological health. Factors such as stress, anxiety, depression, trauma, or major life changes can all play a role. Because they are rooted in mental health, early emotional support and professional care are essential components of treatment and recovery. Why Early Support Is So Important Like many mental health conditions, eating disorders are often more manageable when support begins early. Early intervention can: Help individuals feel less alone and more understood Reduce the risk of long-term physical and emotional complications Support healthier coping strategies Improve overall recovery outcomes Even expressing concern or starting a conversation can be an important first step. Breaking the Stigma Around Seeking Help One of the biggest barriers to getting help is stigma. Many people hesitate to reach out because they feel shame, fear judgment, or believe their struggles aren’t “serious enough.” Normalizing mental health care - and recognizing that support is a sign of strength - helps create safer spaces for people to seek help when they need it. Support Looks Different for Everyone There’s no single path to support or recovery. For some, it may begin with a trusted conversation. For others, it may involve counseling, therapy, or coordinated care with health professionals. What matters most is knowing that help is available and that no one has to navigate these challenges alone. The Role of Mental Health Care Access to mental health services plays an important role in supporting individuals affected by eating disorders. Therapy, counseling, and ongoing emotional support can help address underlying challenges and promote long-term well-being. Early access to care can make the journey toward recovery feel more manageable and less overwhelming. How Benefits Can Help Support Mental Health Health benefits that include mental health services can help make professional support more accessible. Coverage for counseling, therapy, and related care can remove barriers and encourage individuals to seek help sooner rather than later. Understanding available benefits is an important step in supporting both mental and emotional health. A Message of Support If you or someone you care about may be struggling, know that support is available. Awareness, compassion, and early care can make a meaningful difference. The Benefits Store is ready to help you explore coverage options that support access to mental health care and overall well-being. 👉 Request a quote to learn more.

Heart disease remains one of the leading causes of health concerns for adults of all ages - but protecting your heart doesn’t require drastic changes or complicated routines. In fact, small, consistent lifestyle habits can make a meaningful difference over time. Whether you’re just starting to think about your health or looking to maintain healthy habits, these simple steps can help support heart health at any age. Move a Little More Each Day Regular movement helps keep your heart strong - and it doesn’t have to mean intense workouts. Take short walks Stretch throughout the day Use stairs when you can Find activities you enjoy Even small amounts of daily movement add up and support long-term heart health. Choose Heart-Friendly Foods - Most of the Time You don’t have to give up your favorite foods to support your heart. Focus on fruits and vegetables Choose whole grains when possible Limit highly processed foods Pay attention to portion sizes Balanced eating, practiced consistently, can help manage cholesterol, blood pressure, and energy levels. Manage Stress in Simple Ways Stress affects heart health more than many people realize. Take short breaks during busy days Practice deep breathing or mindfulness Make time for hobbies or relaxation Stay connected with friends and family Reducing stress - even a little - can support both mental and physical well-being. Prioritize Sleep Sleep is often overlooked, but it plays a key role in heart health. Aim for consistent sleep schedules Create a calming bedtime routine Limit screen time before bed Quality rest helps your body recover and supports healthy heart function. Don’t Skip Preventive Care Routine health checkups can catch potential heart issues early. Blood pressure checks Cholesterol screenings Regular wellness visits Preventive care helps you stay informed and proactive - no matter your age. Small Steps, Lasting Benefits Supporting your heart isn’t about being perfect. It’s about making small, realistic choices that fit your lifestyle and sticking with them over time. Every positive habit - no matter how small - can help protect your heart for the long run. How Benefits Can Support Heart Health Access to preventive care, wellness visits, and screenings makes it easier to stay on top of heart health. Health benefits can help support early detection and ongoing care - so you can focus on living well, at every stage of life. Take a Moment to Review Your Coverage Understanding your health benefits is an important part of caring for your heart. The Benefits Store is ready to help you explore coverage options that support preventive care and long-term health. 👉 Request a quote to learn more.