In our ever changing marketplace
good benefits are essential to retain and reward valuable employees.
You may attract good employees with a good company image, but
you keep them with good benefits and constant communications.
We always use a team approach
to insure that there is always more than one contact person available
to answer your questions and respond in a timely manner.
- Voluntary
benefits (payroll deductions)
- Dental
and Vision plans
- Disability
- short & long term
- Carve-out executive benefits
- Deferred
compensation
- Turn-key
low cost retirement plans
Voluntary Benefit: Example
Disability Insurance
Disability insurance is
one of the most important, if not the most important form of insurance
protection. Despite this fact, very few Americans are protected
by a disability policy. Thousands of employers do not provide
disability income coverage and millions of employees have no safety
net for unexpected disabilities whether short or long term. In
fact, only about 28% of us are insured by this coverage. "White
collar professionals need disability insurance to continue a lifestyle
to which they have grown accustomed." Blue and pink collar workers
need disability insurance in order to exist during a period of
no income due to an illness or accident. Most families don't have
enough savings to replace their income for three to four weeks
before their savings accounts are totally depleted. In the case
of a permanent disability, it may be as long as eight to nine
months before any income is received from Social Security.
Social Security certainly
is not the answer. Seven out of every ten people who apply never
collect Social Security benefits for their claim. There is a four
step appeals process which could take many months before a claimant
could expect to receive any help. If your claim is rejected in
the first step, you then have less than a 9% chance of ever collecting.
(source: Social Security Administration)
The truth is, the leading
causes of disability are not the headline makers. They are more
commonplace; consider these claims from a leading carrier.
Employee Benefits
