Employee Benefits

Working within an ever-changing climate of government regulations and industry advancement, we provide services to the business and institutional communities. We provide product design and recommendations which are implemented through carefully chosen insurance companies and administrators. These products provide ease of use and expense reduction for our corporate clients, and providing them with the necessary information to make intelligent decisions for the future.

1. Group Health
• Traditional Fully Insured
• Partial Self-Funded
• Health Maintenance Organizations
• Preferred Provider Organizations
• Flexible spending Accounts (Section 125)
• Specific & Aggregate Stop-Loss Contracts
2. Group Life
• Voluntary Universal Life-Guaranteed Issue
• Voluntary Term-Guaranteed Issue
3. Short & Long Term Disability
4. Fringe Facts *
5. Group Dental
• Fully Insured
• Self-Funded
• Dental Maintenance Organizations
6. Prescription Drugs
• Stand Alone
• Self-Funded
7. Pension & Profit Sharing
• 401 (K) Plan
• Defined Benefit Plans
• Group Individual Retirement Accounts

* We develop employee benefit communication to help employees understand their overall cost to the employer.