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Long Term Disability Insurance replaces a percentage of salary when an employee is disabled due to an extended illness or injury. Benefits typically begin after a period of 3 or 6 months, and are payable until the employee is able to return to work or to age 65 if the employee remains disabled. Short Term Disability Insurance provides partial income replacement when an employee cannot work due to a disability that is not job related, such as maternity, illness or injury. The benefit is typically paid for a 3 or 6 month period of disability.
Health insurance continues to present unique challenges for employers and their employees as demographics change, costs continue to rise and legislation is implemented. The competitive employment market makes it difficult to retain quality employees without an attractive health insurance package. We will assist you in developing a communication strategy with your employees to clearly articulate the value of your benefit plans throughout the year in an effort to decrease expenses while maintaining employee satisfaction.
Life insurance is a financial resource for individuals and their loved ones in the event of death. It is an important element in a complete financial portfolio. Certain types of life insurance provide benefits while an individual is still living. Learning basic life insurance facts will help an individual make an informed decision about the type and the amount of life insurance that is right for them.
Dental Insurance provides coverage for routine preventive care, general care and major services. An employer sponsored dental plan encourages employees to maintain a healthy lifestyle by seeking regular dental checkups. Many health conditions including diabetes, eating disorders and bone loss generate warning signs that can first appear in and around the mouth before they become major health threats. Dental Insurance is often offered on a voluntary basis requiring the employee to pay some portion of the premium.
Vision Insurance is often a value-added benefit linked to health insurance plans that have contracted with vision care networks to provide eye care services. Health insurance will generally protect against financial losses due to an unexpected eye injury or disease While vision insurance is a wellness benefit designed to provide routine, preventive eye care such as eye exams, eyewear, and other services at a reduced cost. Vision Insurance is an inexpensive benefit that is well received by employees and promotes wellness.
Tax favored healthcare accounts enable employees to use pre-tax dollars to pay out of pocket medical, dental & vision expenses, and sometimes dependent day care expenses, saving them as much as one third or more on the cost. Employers offering tax favored healthcare accounts can save payroll and FICA taxes on employees’ eligible contributions. There are different types of accounts with varying IRS rules and regulations, which should be analyzed prior to implementing a plan.