Employee Benefits / Group Health Insurance

Employee Benefits insurance covers a wide range of plans, including health, dental and life insurance, profit-sharing plans, workers’ compensation, and employee stock plans.

Group Health Benefits includes a package which can include some or all of the following: health insurance, dental insurance, vision insurance, life insurance, disability insurance, critical illness insurance, accidental death and dismemberment insurance, and long term care insurance.

We offer our clients a ‘Cafeteria Plan’ which offers the business owners the ability to pick and choose the options they want, need and that fit their budget as well as their employees needs.  Each plan is customized to each business’ size, location, demographic, budget and brand culture.  Whether your company has 2 employees or 200+, we are here to help find an insurance package that fits your needs.

Benefits:  With an affordable and comprehensive employee group benefits insurance package, your employees are happier and healthier, and you are able to attract new hires in this very hot job market.

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Dental Insurance

Dental Insurance helps reduces costs of dental care for you and your family’s overall oral health including preventative, restorative orthodontic dental care including dental exams, x-rays, sealants, fluoride, extractions, root canals, crowns, bridges, dentures and more.

One in four Americans doesn’t have dental insurance, and of those over 65, half have no coverage, according to the National Association of Dental Plans (NADP).  Preventative dental care is usually 100% covered in most plans, so employees are more apt to keep up with a schedule of checkups, cleanings, x-rays so minor issues can get resolved while they easier and less costly to treat.

Some features of the Dental Insurance plans we offer can include:

  • No enrollment fees or waiting periods
  • Plans include low-or-no copays for exams, cleanings, X-rays and other more complex dental services
  • Benefits increase after first year
  • Maximums increase after first year
  • Free Mobile App for easy scheduling and estimating

Benefits:  Facts show that 90% of common diseases (diabetes, heart disease) show symptoms in the mouth, so serious health-related conditions can be detected and treated earlier.  Employees with dental insurance have bigger and healthier smiles.

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Vision Insurance

Vision insurance offers health and wellness plans to reduce costs for routine preventative eye care (eye exams, prescription eyewear and contact lenses), and some include elective vision correction surgery including LASIK and PRK.

Vision insurance covers all or most of the cost of an annual eye exam, and comprehensive eye exams are necessary for much more than checking whether current eyeglass/corrective lens prescriptions are correct. They are also the first line of defense when it comes to catching eye disease or injury.

Even if you have perfect vision, you should not skip routine vision exams. A recommended schedule for each age group is as follows:

  • 20-39 … Every 5-10 years
  • 40-54 … Every 2-4 years
  • 55-64 … Every 1-3 years
  • Over 65 … Every 1-2 years

Some services that Vision insurance may pay for:

  • Basic preventive care such as eye exams and vision tests.
  • Eyeglass lenses.
  • Contact lenses.
  • Eyeglass frames.
  • Lens protection for glasses, such as scratch-resistant coating.
  • Daily disposable contact lens coverage.
  • Discounts on corrective eye surgery such as Lasik.

Benefits:  Regularly checking your vision and optical health can prevent or address any issues before they can become serious.  For example, if your optometrist discovers a medical problem during your vision exam, they can refer to a medical doctor or ophthalmologist, which will be covered by your health insurance.

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Disability Insurance

Disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.

Disability insurance is financial protection for your most valuable asset — the ability to work and earn an income. To protect yourself against the risk of losing your paycheck due to injury or illness, there’s disability insurance.  Having disability insurance means being able to meet your financial obligations — paying bills, covering household expenses, providing for your family — while you’re unable to work.

We offer the following types of Disability Insurance:

  • Group Plans: Employers that offer disability insurance pay some or all the cost of premiums as part of the group package or a voluntary benefit.
  • Short term:  Short term disability insurance pays you a portion of your income immediately after an accident or serious illness prevents you from working.
  • Long-Term:  Long term disability insurance is a policy that pays you additional funds for long-term injuries.
  • Supplemental:  Supplemental allows you to add extra coverage on top of your long-term plan.
  • Critical Illness Insurance:  Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy (which can include COVID-19).

Benefits:  Have a backup plan for those who may encounter unexpected circumstances of short term or long term health issues or accidents can add to your employee’s confidence and peace of mind.  Disabilities are often defined as conditions that can interrupt your ability to work including pregnancy, back pain, depression and digestive orders.

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Life Insurance

The primary purpose of life insurance is to provide a financial benefit to dependants upon premature death of an insured person. The policy pays a specified amount called a “death benefit” to the named beneficiary, when the insured dies.

Life insurance is one of the most selfless gifts you can give to the people you would leave behind if you pass away.  Life insurance is not for you but for your loved ones.

In your absence, a life insurance policy can protect your family against short-term needs (paying the rent/mortgage, funeral costs, monthly bills, credit cards and student loans) and the long-term family needs (major changes in your spouse and family’s financial outlook after your loss).  It can also help protect the future of your business, to keep the lights on, keep employees paid and supply chains uninterrupted.

We offer the following types of Life Insurance:

  • Term life insurance
  • Whole life insurance
  • Universal life insurance
  • Variable life insurance
  • Simplified issue life insurance
  • Guaranteed issue life insurance
  • Group life insurance

Benefits:  Life insurance can help you leave a legacy providing support to your family, as well as provide donations to charity or religious organizations in your name.  In some cases, life insurance can enable you to give in death more than you might have been able to donate to the cause during your lifetime.

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Long Term Care Insurance

Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision.

Long-term care insurance, also called LTC insurance or LTCi, is insurance that provides daily or monthly assistance with the costs of a broad range of long-term care services.  Most Americans will need some kind of long-term care, and long-term care insurance is the best way to pay for it. In fact, 65-year-olds today have a 70% chance of needing long-term care, and an estimated 20% of Americans will need it for longer than five years.

Long-term care insurance is crucial since long-term care is super expensive and costs are only increasing. The average cost in the United States of just one month in a nursing home is $7,698!

We offer the following types of Long Term Care Insurance:

  • Hybrid Long-Term Care Policy:  Hybrid policies also have a built-in death benefit for your heirs.  With hybrid policies, using the long-term care coverage will either reduce or eliminate the death benefit, but if you never use the LTC benefits and never take out any loans on the policy, then the death benefit will be paid in full upon your death.
  • Traditional Long-Term Care Policy: Traditional policies cover some or all of your costs if you need long-term care. Traditional policies have premiums that may increase over time.
  • Hybrid and traditional long-term care insurance policies can both be sold as indemnity or as reimbursement policies.
    • Indemnity Policies provide a cash benefit that you can spend as you see fit.
    • Reimbursement Policies reimbursement policies require you to submit receipts for your care and then reimburse the exact amounts that you spent on approved long-term care services.

Benefits: Having a long-term care policy in place helps alleviate or even prevent all types of stress on caregivers, so aging adults needn’t fear becoming a burden to their families. Long-term care insurance can protect your nest egg (savings and assets) so they are not depleted by healthcare costs.

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