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Member Insurance Benefits (MIB)

The One Southern Indiana (1si) Member Insurance Benefits (MIB) will offer insurance at discounted and large group rates. The ancillary insurance program, publicly launched on April 1, 2017, offers employers the opportunity to provide employer-paid and voluntary benefits.

Plans Offered

OneAmerica Life and Long/Short Term Disability (video)
  • Employer Paid Life:
    • Options $10,000 to $50,000 with Guaranteed Issue (no medical underwriting)
  • Voluntary Life:
    • Employees can purchase additional Life insurance for themselves, spouse and children.
    • Guarantee Issue (no medical underwriting):
      • $50,000 – Employee
      • $25,000 – Spouse
      • $10,000 – Children
    • Up to $300,000 for employee and $150,000 for spouse with Evidence of Insurability
  • Disability:
    • Short Term Disability—Employer Paid or Voluntary
    • Benefits begin after the 7th day due to accident or sickness; includes pregnancy.
    • 90-day benefit duration.
    • Guaranteed Issue $1,150 per week maximum
    • 3 Options
    • Long Term Disability—Employer Paid or Voluntary
      • 90-day elimination period
      • 60% of salary up to $5,000 per month
    • Lump Sum Disability:
    • 90-day elimination period
    • Benefit paid in full if individual is expected to be out of work for 2 years.
    • Guaranteed Issue increments of $10k, $20k or $30k

For more information contact:
Phil Corrao


  • Thousands of providers, top optical retailers and online options – more than 80 in Kentuckianan alone
  • 40% off additional pairs of glasses at participating network providers
  • Easy to use benefits
  • No claim forms for in-network services
  • Employer Paid or Voluntary

For more information contact:
Judy Stoll

Delta Dental (video)
  • Nation’s largest network and most recognized Dental Company in United States
  • Access to 2 Networks PPO and Premier—80% of dentists within Indiana and Kentucky
  • Custom Plan Designs for 1SI- these products are not offered to groups under 100 lives
  • Overall Wellness component increased members’ cleanings from standard 2 to 4 per year

For more information contact:
JJ Nelson
Delta Dental of Indiana

PetFirst Pet Insurance (video)
  • One of nation’s largest Pet Insurance companies headquartered in Jeffersonville, Indiana
  • All 1SI’s members will receive 10% discount on pet insurance premiums
  • Online and phone enrollment
  • Pet First Program covers the following; vet exam, vaccinations, prevention (heartworm, flea), microchipping, behavior training

For more information:
Clint Lawrence
PetFirst Pet Insurance

Premium Only Plan (POP)/Section 125 (video)

The US Congress created Code section 125 in an effort to make benefit programs more affordable for employees.

Section 125 is part of the IRS Code that allows employees to convert a taxable cash benefit (salary) into non-taxable benefits. Under a Section 125 program you may choose to pay for qualified benefit premiums before any taxes are deducted from employee paychecks.

The Section 125 program is a tremendous opportunity for you to enhance your benefits package.

The Premium Only Plan (POP) is the building block of the Section 125 Plan. It allows for certain employee paid group insurance premiums to be paid with pre-tax dollars.

Employee Savings

Employees can save 20 – 40% of their payroll deductions. The savings are on city, state, and federal income taxes, including Social Security and Medicare.

Employer Savings

Employers save the matching Social Security (6.20%) and Medicare (1.45%) taxes, which equates to 7.65% (1.45% for municipalities) of all the dollars put through the plan, a substantial savings.

For more information contact:
Todd Rosenbaum
MCM CPAs & Advisors

Coming Soon
  • Health Insurance
  • Employee Assistance Program
  • Clinic and Prescription discounts
  • Home, Auto and Property discounts

Authorized Agents

Authorized agents must:

  1. Be a 1si member in good standing
  2. Have reviewed the online training, found here and
  3. Sign and return this form to Lisa Brooking at

For 1si membership, contact:

Ellen Kuhn
One Southern Indiana

 Authorized Agents

Click the company name link to email an agent.

(812) 941-4110

(812) 948-9201

Bennett & Bennett Insurance, Inc.
(812) 948-2233

Callistus Smith Agency, Inc.
(812) 944-7711

Davis Financial Services
(812) 288-4110

Denim & Diamonds Financial Solutions
(812) 725-7354

Jenpale, LLC
(502) 744-6424

LegalShield – Larry J. Lynn
(502) 551-8141

Ricke & Associates, Insurance and Financial Solutions
(812) 944-4461


If your agent is not listed, encourage them to become a member of 1si or contact 1si Affinity Partner

Eric Sharp