Group Life & Health Insurance Divisions
Employer Sponsored Benefit Plans
Group Medical Benefits
Group Life & Health Insurance Services
Every year the cost of health insurance is increasing, making it difficult to continue to offer it to your employees and retirees. When we meet with an employer group, first and every time, we’ll ask questions to put together a comparison of plans based on your answers and the best value. We’re here to help make it an effortless process.
Health Reimbursement Accounts (HRA) may work in conjunction with any insurance plan. It can be designed to cover specific health expenses, or insurance plan cost-sharing, such as co-pays, coinsurance or a portion of the deductible on a High Deductible Health Plan. HRAs are funded and owned solely by the employer and are utilized for the benefit of employees to cover the cost of medical expenses chosen by you.
Group Dental provides the benefits associated with better overall health for your employees and can be a key component in a competitive compensation package to attract and retain the best employees.
As a business owner in New York with employees, you know the state mandates disability coverage for your employees that get sick or hurt off the job. NYS DBL provides coverage up to 26 weeks for your employees. For a very affordable rate you can enhance this coverage, increasing the weekly amount available.
Attracting and retaining top-tier employees should be a top priority within your company. Offering disability insurance will not only give your employees peace of mind, but help you compete with other companies that may be offering it.
No one likes to think about prematurely dying, but the reality is it happens. Protecting those left behind is what life insurance is all about. Whether the goal is to pay off debt, like a mortgage, cover lost income or retirement, or give children the ability to continue to go to college. It’s care when someone is no longer here.
These plans are designed to supplement benefits that you, the employer, offer. Usually the employees pay for the plans, certain plans can be offered on a pre-tax basis and by paying that way it saves the employer FICA. Why wouldn’t you have these available?
Group Life & Health Insurance Team Members
Benefit Consultant, Buffalo, NY Location
Group Life & Health Insurance Resources
- State employment laws
- State independent contractor rules
- Workers’ compensation
- Safety training & compliance assistance
Anti-discrimination law enforcement
- Federal tax laws, rules and forms
- Businesses and individuals
- Independent contractor rules for IRS
COBRA Continuation Coverage - Resources for Employers, Advisers, Workers & Families