Employee Benefits

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Health Insurance is quickly becoming the most expensive as well as the most misunderstood piece of your benefits package.  Costs are increasing at such a high rate that many employers are being forced to either pass the cost on to employees or take a major hit to their bottom line.  We will analyze all the options available to ensure that the premium dollars are used most efficiently.

In addition to Health Insurance, many companies also offer benefits such as Life Insurance or Disability Insurance.  As Brokers, we are not tied to any one carrier so we will shop the marketplace to ensure that the additional benefits that the company pays for are at the lowest cost. 

Voluntary Benefits are the fastest growing and some of most popular benefits for companies to offer.  The employees choose whether or not they want to participate and most often the premiums are deducted directly from their paycheck so it adds nothing to the bottom line of the company.  In the age of technology and personalization, benefits that the employees can tailor to their own specific needs can go a long way to attracting and retaining talent as well as protecting employees against out-of-pocket expenses incurred from ever increasing co-pays and deductibles.

In addition to benefits that are offered to the general work force, many companies choose to offer a benefit package that is tailored specifically to their executive team.  These benefit packages can help address insurance, retirement and estate planning needs that are specific to the executives who tend to be in higher income brackets.  Whether you are looking for qualified or non-qualified benefits, we can review the objective of the plan and make suggestions for which course of action to take.