Principal:
Group Benefits

Principal offers flexible, affordable, and quality employee benefit solutions.
as an ALA member you have access to an exclusive group non-medical employee Benefit Program.
ALA Members can access the Principal program through their current broker.
Principal: Group Benefits
Principal provides ALA members access to an employee benefit program that includes group dental, disability, life, and vision insrance as well as wellness soltuions.
  • Dental Insurance: Dental coverage that makes employees smile constantly because they are so darn proud of their pearly whites; while helping them maintain overall health through routine check-ups and care.
  • Disability Insurance: Disability benefits that protect the income of each and every employee, from the former Law Review editor to the captain of the copy room; making each employee feel safe and secure in the knowledge that a disability won't throw them into finacial ruin.
  • Life Insurance: Life insurance benefits that help employees sleep peacefully at night, knowing their loved ones will be provided for when they can no longer provide themselves.
  • Vision Insurance: Vision benefits without hassle -- no deductibles, no copayments, no networks. While vision may not be an essential benefit, it's one that is always appreciated.
  • Critical Illness: Voluntary critical illness insurance helps employees secure an additional layer of financial protection, beyond medical and disability insurance.
Just for ALA Members
As an ALA Member, you have access to these exclusive benefits:
  • Guaranteed isuee and maximum limits that are different from standard benefit options to meet the higher protection needs of law firms.
  • Preferred pricing.
  • Specialty own occupation protects attorneys by basing disability on the inability to work in a given specialty of law.
  • Extended earnings protection continues to provide a benefit after claimant fully recovers but continues to suffer an income loss of 20% or more because of the prior disability.
  • Employee assistance program with 24-hour access and optional face-to-face visits with disability coverage.
  • Performance guarantee for groups with at least 50 lives.
  • Three-year rate guarantee when multiple products are purchased.
  • Online benefit administration service for groups with 50 lives.^
Did You Know...
  • 1 in 4 of today's 20-year-olds will become disabled before they retire. 1
  • For every $1 spent on dental preventive procedures, $8 to $50 is saved in future treatments. 2
  • Vision disability is one of the top 10 disabilities among adults 18 years and older, and one of the most prevalent disabling conditions among children. 3
  • The average cost of a funeral is $8,343. 4
1. Source:  Social Security Administration, Fact Sheet, March 2011.
2. Source: "Take a Bit Out of Dental Expenses," www.adha.org/media/stories/expenses.htm.
3. Source: http://www.cdc.gov/visionhealth/
basic_information/fast_facts.htm.
4. Total cost of a funeral with vault, National Funeral Directors Association, 2012.


^Minimum fee of 75 lives applies to employers with 50-75 employees.