| Health Insurance - Click here for more info - Click here to get a quote |
| Dental - Covers the cost of annual visits to the dentist as well as fillings, dentures and such. These plans are offered as a discount program, Indemnity or PPO program. |
| Life Insurance - Group Term or payroll deduction Permanent Life is available. Amounts up to $50,000 of group term are treated as a tax free benefit by the IRS. The cost over $50,000 is considered taxable income to the employee. Simplified issue is the real benefit to these plans. |
| Vision - covers the cost of visits to the eye doctor and glasses, either with co-pays or discounts. Some plans require you to stay in network while others do not. |
| Long Term Care - covers the expense of care when you are unable to perform a certain number of Activities of Daily Living (ADLs), usually two. Can pay for the cost of home health care and nursing home care. |
Disability Income - You and your employees work in order to purchase the necessities of life. You insure your house, car and other items you purchase, why not insure the one thing that makes it all possible, your ability to make an income. Benefits can start in as little as 7 days or as long as 6 months. Some plans are specific i.e.: accident, while some pay for any event that prevents you from working.
Short Term/Long Term Disability |
| Business Overhead Expense - A disability income policy that pays for the expense of keeping your business up and running while you recover from illness or injury. It allows you to "keep the doors open" without using the benefits from your personal disability policy or depleting your assets. If your disability is long term this allows you to market your business as a going concern and possibly avoid a fire sale. |
