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Employee Benefits

Group Health- Employers have the option of purchasing different forms of group health insurance products: HMO: health maintenance organizations, PPO: preferred provider organizations, POS: point of service plans, dual option plans and partially funded plans.

Workers’ Compensation- State law requires that every employer with 4 or more employees must provide workers’ compensation insurance. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws.

Group Life- Products included are death and accidental death & dismemberment benefits, which can range from $15,000 to $750,000. Supplemental and dependent products are also available. Many carriers offer accelerated death benefits, which allow employees to accelerate up to 75% of death benefit to help pay medical expenses if terminally ill and life expectancy is less than 12 months (min. $10,000 benefit required).