Employee Benefits
Choosing our company as your employee benefits broker means partnering with a team dedicated to understanding your unique needs and providing tailored solutions that enhance employee satisfaction and retention. We leverage our extensive industry expertise to navigate the complexities of benefits planning, ensuring you have access to the best options available at competitive rates. Our proactive approach includes continuous support, personalized service, and innovative strategies like wellness programs and cost-saving initiatives that drive value for both your organization and your employees. With us, you gain a trusted advisor committed to your success, helping you attract and retain top talent while promoting a healthy, engaged workforce.
Health Insurance
Medical, dental, and vision coverage.
Life Insurance
Group life and accidental death policies.
Disability Insurance:
Short-term and long-term disability coverage.
Flexible Spending Accounts (FSAs)
For medical and dependent care expenses.
Commuter Benefits
Transportation subsidies or parking assistance.
Health Savings Accounts (HSAs)
Tax-advantaged savings for medical expenses.
Employee Assistance Programs (EAPs)
Counseling and support services.
Professional Development
Tuition reimbursement, training programs, and certifications.
Wellness Programs
Gym memberships, fitness challenges, and wellness resources.
Pet Insurance
Coverage for employees’ pets.
We also help employers choose from various funding methods for health insurance benefit plans including:
- Fully Insured: The employer pays a fixed premium to an insurance carrier, which assumes all the risk for claims. This includes:
* Community Rated
* Prospective Experience Rated
* Retrospective Experience Rated - Self-Funded (Self-Insured): The employer assumes the financial risk for providing health care benefits, paying for claims directly rather than through an insurance carrier.
- Level-Funded: A hybrid approach where the employer pays a set monthly amount, covering expected claims, administrative fees, and stop-loss insurance.
- Partially Self-Funded: The employer covers a portion of claims and purchases stop-loss insurance to protect against high claims.
- Minimum Premium/Shared Risk: Employers share the risk and costs of claims with an insurance carrier, often through a cost-sharing arrangement.
- Captive Insurance: Employers create their own insurance company to underwrite their health insurance, allowing for customized coverage and potential savings.
- Health Reimbursement Arrangements (HRAs): Employers reimburse employees for qualified medical expenses up to a certain limit.
- Health Savings Accounts (HSAs): Employers contribute to employee-owned accounts that can be used for eligible medical expenses, often paired with high-deductible health plans.
- Flexible Spending Accounts (FSAs): Employers offer accounts funded by employee pre-tax contributions to pay for out-of-pocket health expenses.
- Referenced Based Pricing:
These funding methods provide flexibility and can be tailored to meet the specific needs of both employers and employees.
Fast Turnaround
Bringing efficiency to everything we do to get you covered quickly.
Proactive Service
Our account managers are here to help you whenever you need it.
Carrier Selection
Our wide range of business insurance carriers ensures great pricing.
Employee Benefits
If you are having issues accessing your account please contact your Human Resources department for guidance.
Alternatively, you can contact our office at 716-634-7070 and we will be able to assist you during our office hours.