• Employee Benefits

Employee and Executive Benefit Plans

With over 45 years of experience of client service, our associates are able to customize employee benefit plans for all types of corporations whether for employees, management and /or executives.

Our plans are specifically customized and tailored to meet the individual needs of each of our corporate clients. We can assist any company, no matter how large or small. The process involved is well developed and methodical. Our due diligence requires proactive discussions with corporate executives and HR to determine exactly what the company's requirements are. Existing benefit plans are comprehensively reviewed and market surveys always ensure that our offerings are competitive, current and creative.

We always "shop the market" to ensure not only the most competitive pricing, but also the best value and reliability at a time when the employees need it the most.

Most companies would consider implementing benefit plans for the following reasons:

1. More attractive compensation packages;
2. Key employee retention and acquisition;
3. Tax deductibility of premiums;
4. Economies of scale and cost saving as a group;
5. Convenience and ease of claims payment;
6. Most companies: drug and dental claims that are approved automatically.

Who is eligible to set up a benefit plan?

Any corporation with full time employees or executives can set up a benefits plan. There are many different benefit options available and many different plan structures. An employer can design a plan with any combination of the following products:

1. Life Insurance - Minimum of $10,000 per employee
2. Dependent Life Insurance - Optional
3. Accidental Death and Dismemberment - Optional
4. Short Term Disability - Optional
5. Long Term Disability - Optional
6. Extended Health Care and Prescription Drugs - Optional
7. Visioncare - As an "add on" to Extended Health option
8. Dental Benefits
9. Group Critical Illness
10. Cost Plus Plans (see PHSP's)