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

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:

Aetna Met Life
AFLAC Mutual of Omaha
Allstate Benefits M.V.P.
CDPHP Oxford
CIGNA Security Mutual
Delta Dental Shelterpoint
Emblem Solstice
Empire Blue Cross / Blue Shield Sunlife
Guardian The Standard
Hartford Group United Healthcare
Horizon BC / BS  


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Insurance - Employee Benefits


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Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.

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