Group Coverage

Medical

Employee medical coverage is the cornerstone of any quality employee benefit plan; it is also the most costly for both employers and employees.  We have over 40 years of experience in providing companies and small businesses with creative solutions for group health insurance. We will research your unique situation regarding employees, current insurance, and coverage. We will analyze your company’s benefit needs and shop the market, we work with all the major health carriers in the Midwest and by doing so will allow us to create a competitive environment that will benefit you and your employees.  We always work to find the best insurance solution for your employees no matter how small your business is, whether you have 2 or 2000 employees. Call or email us today and speak with one of our benefit consultants. They will be able to assist you and help answer any questions you may have.

Dental

Employees and their family’s find dental coverage to be a very valuable benefit that employer’s can use to their advantage in retaining and attracting good employees. With years of experience in the dental insurance arena, for both employer and employee-paid Group Dental insurance policies, we provide a solid list of dental carriers, complete line of flexible plans, allowing us to tailor coverage that balances affordability and quality care for employees.

Disability

Disability coverage is one of the most sought-after benefits a company can offer its workforce. DI plans provide important income protection for employers’ most valuable asset -- their employees – and represent a valuable aid in employee retention. Two primary disability products – group long term and short term disability can be offered through a choice of employer paid, employee paid or combination of employer/employee paid plans.

Life

Purchasing life insurance is an important decision for employees at every stage of their life, a decision that can affect financial decisions today and in the future. Employer paid life insurance is a very affordable benefit that an employer can offer to their employees; we have both company paid and employee paid style plans. 

Section 125 plans

Benefiting both employers and employees with potential tax savings, Section 125 of the Internal Revenue Code allows employees to designate pretax dollars toward insurance premiums, medical care and dependent care expenses. These premiums are not subject to Social Security, Federal and most state taxes, thus lowering an employee’s tax liability and saving the employer the FICA match.  Section 125 plans can be a win-win for both employer and employee.

Voluntary Benefits

As the health insurance environment constantly changing, employers and employees are increasingly turning to voluntary employee benefits to supplement core coverage’s. Voluntary benefits can offer added financial security to employees, with no direct costs incurred by employers.