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Group Health

Health insurance is usually one of the foundational benefits of a comprehensive benefits package. With health insurance, you're able to see doctors and receive treatments at a highly reduced out-of-pocket rate. Since health insurance is often most affordable through an employer-provided plan, you'll want to make sure that you are offering this benefit to eligible employees.  If you aren’t offering it, your competition will be.

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Group Vision

Vision insurance often functions like dental insurance — it's a health insurance add-on policy that allows you to seek vision care and purchase contact lenses and glasses at reduced rates. Usually, you can add family members like a spouse and children to all your health insurance plans, so they also receive healthcare benefits.  This can be offered as a voluntary benefit or you can contribute towards the employees premiums as well.

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Retirement Plans

The final foundational component of a comprehensive benefits package is the retirement package. Many companies offer 401(k) or other similar retirement options, such as a 403(b), SEP IRA or SIMPLE IRA for their employees. Most provide matching, meaning whatever amount you choose to contribute to your plan, the company matches, helping you save for retirement faster.

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Group Short Term Disability

Short-term disability insurance provides you with a percentage of your pay if you're unable to work because of a short-term injury or illness, usually categorized as 12 weeks or fewer off work. Often, short-term disability includes childbirth coverage.

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Group Dental

Many employers include dental insurance as an add-on to the provided health insurance plan. In most cases, it's highly affordable for you, the employee, through your employer, and allows you to see a dentist or other dental professional for preventative and emergency treatment. This can be offered as a voluntary benefit or you can contribute towards the employees premiums as well.

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Group Long Term Disability

Long-term disability provides some income in the event of an injury or illness that keeps you from working for a long period, like several years.

Group Life/AD&D

A life insurance policy provides a death benefit to your selected beneficiaries, usually a spouse, children or other immediate relatives, in the case of your death while working for the company. Many companies also include accidental death and dismemberment insurance with life insurance that provides a payout to an employee's loved ones. You can offer a Flat Death Benefit Amount, such as $10,000 or $25,000 or more, and you can also match death benefits to a multiple of annual income.  There are no medical questions up to a certain amount of death benefits but may be required if exceeding the limit per the contract.

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Buy-Sell Planning

A buy-sell agreement provides a plan for the orderly transfer of any owner's business interest. Consider a buy-sell agreement for your business if: You have two or more owners. You want to provide protection in the event of any owner's termination of employment, retirement, divorce, disability, or death.

 

A buy-sell agreement is a contract created by business owners to help ensure that if one of the members passes away—or becomes disabled or retires—then that person's ownership interest will be sold to the remaining partners or to the company.

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GAP Plans

A medical gap insurance plan is simple in that it follows an employer's major medical plan. It pays off the underlying major medical plan's Explanation of Benefits (EOB) directly to the subscriber or provider. A gap plan pays the benefits described in the Schedule of Benefits up to a maximum benefit amount

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Non-Qualified Deferred Compensation Planning

A nonqualified deferred compensation plan is a type of retirement plan that lets select, highly compensated employees enjoy tax advantages by deferring a greater percentage of their compensation (and current income taxes) than is allowed by the IRS in a qualified retirement plan.

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Keyperson Life Insurance

Key person insurance offers a financial cushion if the sudden loss of a certain individual would profoundly negatively affect the company's operations. The death benefit essentially buys the company time to find a new person or to implement other strategies to save (or shut down) the business.

In a small business, the key person is usually the owner, the founders, or perhaps a key employee or two. The main qualifying point is whether the person's absence would cause major financial harm to the company. If this is the case, key person insurance is definitely worth considering.

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AFLAC

Accident, Cancer, Critical Illness, Final Expense, Life, Pet Insurance, Hospital, Supplemental Dental/Vision and Short Term Disability

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