Group Benefits

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Do your Company's Benefit Plans help you to attract and retain employees?
        - Are your Benefit Plans performing the way you want them to?
        - Are the costs of your Benefit Plans out of control?

We are professionals in this area - here is how we can help your company or organization to achieve maximum benefit from your Group Benefit programs:

        - We will consult with you on your goals for your Group Benefit Offerings.
        - We will design Group Plans to meet those goals.
        - We will secure quality, competitive insurance carriers and providers
          for your Group Plans.
        - We will implement your Group Plans through employee education and enrollment.
        - We will provide ongoing, everyday support to you, your Human Resources
          department and your employees by:
               - Handling enrollments, terminations and all change forms resulting from life events
               - Helping you with billing questions and bill reconciliation (at your discretion)
               - Offering our Customer Service Center to help with coverage questions,
                 provider questions and claim problems
               - Providing you and your Human Resources department with
                 monthly service summaries
               - Access to valuable health care information and related issues

        - We can provide full COBRA service (federal and state).
        - We can provide and administer Sect. 125 Plans for Premium Only Plans (POPs)
          and Flexible Spending Accounts (FSAs)
        - We can provide and administer Health Reimbursement Arrangements (HRAs).
        - We can provide and administer Health Savings Accounts (HSAs).
        - We can, for self-funded plans, fully integrate both you and your TPA - we
          know the critical issues involved and we can help you save dollars and
          improve plan performance.


Group Benefit Insurance Products and Services include:

Group Health                                             Group Dental
Group Life                                                 Group Vision
Group Long-Term Disability                        Group Long-Term Care
NYS Disability                                          401K Plans
AFLAC (Cancer, Accident, Disability)*        Discounted Personal Home & Auto*
COBRA services                                       Section 125 Plans (incl. POP, FSA)
Health Reimbursement Accounts (HRAs)    Health Savings Accounts (HSAs)
Worker's Compensation                             Complete Payroll Services
(incl. "Pay As You Go") 

Also available through our Group Benefits program:

Flexible Spending Accounts
Health Reimbursement Arrangements
Health Savings Accounts (HSAs)
Self-funded Programs (Medical, Dental & Prescription Drugs)
COBRA and State Continuation of Coverage Administration


Group Benefit Major Carriers that we represent: