Health - Group Health plans are available to companies with as few as two employees. Common health plan designs implemented on behalf of our clients include: HMO, PPO, Point Of Service, Indemnity, Partially Self-Insured and Traditional Self-Insured. As no one plan design is suited for all businesses, a combination of plans can be arranged. Dental - Group Dental plans are available to companies with as few as five employees although most major insurers begin offering coverage at 10 plus employees. Common plan designs include: HMO, PPO, Indemnity and Self-Insured. Oftentimes, companies offer plans that will incorporate multiple plan designs with choices in providers. Life and Accident - Group Life plans are available for employers with 10 or more employees. Life insurance is generally purchased as a fixed dollar amount or as a multiple of employee salary. Although life insurance coverage is generally an employer paid benefit, employee payroll-deducted voluntary plans are also very common stand alones or in conjunction with the employer paid benefit. Disability - Both Long Term and Short Term Disability coverage is available to groups with 10 or more employees. Disability insurance is generally purchased to provide employees with coverage for non-occupational illness and injury pre-disability income replacement. Disability insurance can be purchased as employer paid, employee voluntary elect or as a combination of both. Vision - Group Vision plans are available for employers with 10 or more employees. Multiple plan designs are available as both employer paid and employee voluntary elect. Our office also offers self-insured plan designs as well as value-added discount programs where premiums are waived. Long Term Care - Group Long Term Care insurance is available to groups with 10 or more employees as an employer paid benefit or employee voluntary elect. Coverage is generally available for employees as well as dependents and parents of employees. Cafeteria 125 Plan/Flex Benefits - Cafeteria plans allow employees to pay for various benefits on a pre-taxation basis. The three basic components of a Cafeteria plan include: Pre-tax of insurance premium contributions (Premium Only Plans, P.O.P.), unreimbursed Medical Savings Account and reimbursement for child care expenses. One or all of these options can be selected and offered to assist employees. Although Premium Only Plans (P.O.P.s) can generally be administered by the employer with simple plan document filings, the full flex plan requires a third party administrator to operate the plan and regulate IRS compliance. 401 K/Payroll Deduction Plans