Employer Benefits

Group Benefits

Small and large businesses constantly face the challenges of attracting quality employees and retaining employees. And when you don’t offer benefits that challenge will increase significantly. Make sure valued employees don’t leave to another employer with better benefits!

Fully Insured Health Insurance
A fully-insured health plan is the more traditional way to structure an employer-sponsored health plan. With a fully-insured health plan: The company pays a premium to the insurance carrier. The premium rates are fixed for a year, based on the number of employees enrolled in the plan each month.

Level Funded Health Insurance
A level funded health plan (also known as a partially self-funded plan) is a type of health insurance plan that combines the cost savings and customization of self-funding with the financial safety and predictability of fully funded plans.

Self Funded Health Insurance
Self funding, otherwise known as self-insured insurance, is a plan in which the employer takes on the financial risk of providing certain healthcare benefits to his or her employees. With self funding insurance, companies pay for healthcare expenses out-of-pocket as they are received.

MEC (Minimal Essential Coverage)
Our partners are PPACA compliant option, ideal for $8 – $20 per hour full or part-time employee or seasonal and staff.

Retirement Benefits
401(k), IRA, and SEP IRA options.

Dental Insurance
A no-deductible plan that offers freedom of choice and no coordination of benefits.

Life Insurance
Helps loved ones through tough times following the death of the insured.

Disability Insurance
It helps pay the bills and maintain the standard of living if a covered illness or injury occurs.

 

Accident Insurance
It helps provide a financial cushion if a covered accident occurs.

Hospital Indemnity
Helps with the non-covered hospital and treatment expenses of a covered sickness or accident.

Critical Illness
Helps with the medical expenses related to a covered

Cancer
It helps with the costs of cancer treatment.

Disability
It provides a source of income if the covered person becomes disabled due to a covered accident or illness.

Legal Services
A nationwide network of over 14,000+ attorneys.

Pet Insurance
It is a healthcare policy for your pet that reimburses you for certain medical expenses.

International Business Travel
Available for short term travelers. Covers Employees & Dependents. Includes Medical Evac, AD&D & Emergency Dental.

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Mandatory Group Compliance

Requirements:
Employers are fighting a never-ending battle to comply with evolving federal requirements and deadlines, along with facing an increasing threat of audits. It’s a lot to manage and penalties for non-compliance are costly!

1 – 19 Employees

 

  • ERISA
  • Annual ERISA & ACA Notices
  • Annual Medicare Part D Notice
  • HIPAA (if FSA, HRA, or self -insured Medical plan and managed by a third party)
  • ACA Employer Reporting (self-insured)

20 – 49 Employees

 

  • ERISA
  • Annual ERISA & ACA Notices
  • Annual Medicare Part D Notice
  • HIPAA (if FSA, HRA, or self -insured Medical plan and managed by a third party)
  • ACA Employer Reporting (self-insured)
  • COBRA

50 – 99 Employees

 

  • ERISA
  • Annual ERISA & ACA Notices
  • Annual Medicare Part D Notice
  • HIPAA (if FSA, HRA, or self -insured Medical plan and managed by a third party)
  • ACA Employer Reporting (self-insured)
  • COBRA
  • FMLA

100 + Employees

 

  • ERISA
  • Annual ERISA & ACA Notices
  • Annual Medicare Part D Notice
  • HIPAA (if FSA, HRA, or self -insured Medical plan and managed by a third party)
  • ACA Employer Reporting (self-insured)
  • COBRA
  • FMLA
  • IRS Form 5500

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