Employee Benefits

By working with over 20 top-rated carriers & key strategic partners we offer plans that go beyond the traditional health coverage model to a full range of options designed to put you in control of your healthcare spending.

Life insurance can be offered as a voluntary benefit. Many people who are the primary or sole providers for their families will purchase life insurance to take care of their families in case they die and are no longer there to support their families.

Life insurance is available in two basic types: term and permanent. Term life insurance is the simplest and generally the cheapest form. Coverage is purchased for a specific period of time, such as 10 years. The policy can usually be renewed at the end of that time period, but premiums can increase based on the plan holder’s current age and health status.The other main type of life insurance is permanent, and there are several kinds of permanent life insurance.

Dental coverage is similar to regular medical insurance and is one of the voluntary benefit options employers commonly offer. Like medical insurance, dental coverage is offered in several types of plans. Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services associated with dental disease and surgery.

Long Term Disability
Long-term disability insurance may be offered as a voluntary benefit to give employees financial security in the event that an illness or injury prevents them from being able to work.The exact definition of a disability will be specified by each policy. The purpose of long-term disability insurance is to protect an employee’s income if he or she becomes disabled for a prolonged period prior to retirement.

After an employee has become disabled and satisfied a predetermined waiting period, long-term disability insurance will pay out a set amount or percentage of the employee’s regular income in monthly intervals. Long-term disability provides income protection for extended periods of time, in some cases providing benefits until retirement.

Short Term Disability
Short-term disability insurance may be offered as a voluntary benefit to give your employees a financial safety net in the event that an illness or injury prevents them from working. Most disability insurance plans define a disability as the inability or reduction in ability to perform job duties; the definition of disability will be specified by each policy. The purpose of short-term disability insurance is to protect an employee’s income during short periods of disability.

A flexible spending account is an account in an employee’s name that can reimburse the employee for qualified health care or dependent care expenses. It allows an employee to fund qualified expenses with pretax dollars deducted from the employee’s paychecks.