Employee Benefits

Employee Benefits

Employee Benefits

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Your benefits package can be an important tool in attracting and retaining employees. The benefits package you offer can help your company maximize tax-deductible corporate expenses, and the security provided through benefits can help improve employee productivity and morale.

Quality, accuracy and dependability are “must-haves” in the development of successful employee benefit plans. Our benefit specialists are experience in integrating programs for maximum efficiency and providing you with sensible, workable options that make sense for your business.

GROUP HEALTH INSURANCE

One of the most sought-after employee benefits is group health insurance. Employees recognize that rates negotiated between the employer and the insurance company are generally lower than those available to individuals and appreciate the convenience of group coverage for themselves and their families.

GROUP DENTAL INSURANCE

Group dental coverage is a welcome enhancement to a company’s benefits options. We’ll analyze providers, coverage features and services to help you choose a plan that makes sense for your company.

GROUP LIFE INSURANCE

Group life insurance can be an inexpensive way to provide additional security and peace of mind for your employees. The premiums under group life insurance policies are generally the same for everyone in the group, regardless of age, location or pre-existing conditions.

GROUP DISABILITY INSURANCE

The addition of group disability insurance to your benefits package can be a valuable and welcome enhancement. Your employees can feel comfortable knowing they have a way to replace lost income in the event of a disability that keeps them from working.

GROUP VISION INSURANCE

Because vision exams, eyeglasses and corrective lenses are not always covered under health insurance policies, group vision insurance can be a valuable employee benefit. We’ll help you determine if group vision insurance makes sense in the scope of your total benefits package.

GROUP LONG TERM CARE INSURANCE

Long-term care insurance covers out-of-pocket expenses excluded under medical or disability insurance policies. A popular request by employees as an addition to benefits plans, increasing numbers of businesses are offering group long-term care insurance as a voluntary benefits option. We’ll help you choose an option and conduct meetings with your staff to explain the details.

CAFETERIA PLANS /FLEXIBLE SPENDING ACCOUNTS

Cafeteria plans let you offer a variety of employee benefits without increasing your overall costs. Employees can choose between one or more benefits and designate money in Flexible Spending Accounts for medical or dependent care expenses during the coverage period. We’ll craft a Cafeteria Plan and Flexible Spending Accounts tailored to your employees and company budget.

VOLUNTARY PRODUCTS

A variety of voluntary products are available to enhance the benefits you offer to your workers through payroll deductions. Coverage options include pet care, legal plans, travel services and shopping programs. Let’s explore the opportunities for your truly customized benefits program.

EMPLOYEE BENEFIT COMMUNICATION

Ongoing communication and education is critical to a benefits plan’s success as employees may be reluctant to participate in benefits they don’t understand. We’ll help you maximize your benefits plan’s participation with ongoing communication to your employees to help them understand the valuable benefits you offer.

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