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Group
Benefits, such as Health Insurance, have become an important hiring
tool during the past decade. It is essential for the employer, in order
to maintain employee satisfaction, to select the right products for
their employee's benefit package.
Our agency "brings to the table" a unique mixture
of practical experience and current product knowledge. As Independent
Agents we can offer plans from the nation's leading Health
Insurance Companies. We do the Shopping for you!
In the State of Texas, a health group consists of a minimum
of two persons. By submitting a census (a list) of your employees we
can obtain options from Insurance Companies in your local area. We then
discuss the alternatives available to you using easy to follow spreadsheets
that outline the plans that have been received.
Benchmark Insurance Group, Inc. -
Experienced professionals providing a level of service that is unparalleled
in the insurance business.
Call or Email
us to obtain additional information regarding a proposal for your Company,
or complete our online quote request form.
Dental Insurance
Group Dental, like Group Health Insurance, requires that
you have a minimum of two employees to form the group. Dental Insurance
is the second most requested benefit behind health insurance. As a result,
current plan designs have made allowances for a higher level of benefits
that are requested by employer groups. Those benefit increases range
from higher annual maximums to Adult Orthodontia. For a more detailed
benefit description please contact us.
Long Term & Short Term Disability
Disability Insurance insures that your paycheck will continue
if you're unable to work as a result of an injury or accident. Typically,
short-term will cover you for the first 3 months of an accident or illness,
while long-term disability can cover to age 65.
Vision Plans
A recent study found that nearly 40% of the workforce
wore contacts or glasses. The plans that are available today are affordable
and comprehensive in their design. The exams and lenses typically include
an office co-payment.
Group Life
One of the biggest concerns surrounding Life Insurance
is if a person will qualify for the coverage. By implementing a Group
Life Policy the underwriting is simplified, allowing your employees
the opportunity to insure themselves and their families as well.
Cafeteria Plan
The Cafeteria Plan is a popular group of products that
the employees can choose from and are paid for by the employee. The
employees can also pre-tax their premiums when participating in a cafeteria
plan.
An expanded feature of the cafeteria plan is the flexible
spending account. The account works in two major areas. The Medical
Cost Reimbursement Account, which allows an employee to set aside pre-tax
dollars to be used for their personal medical expenses, and Childcare
Reimbursement which reimburses the employee for childcare cost up to
$5000 per year.
The following is a short list of some of the additional
plans that the employee can purchase: Cancer, Accident, and Hospital
Indemnity.
Pension Plans (401K, Simple Plans)
Competition for qualified employees has become a major
concern for companies, large and small. Benefit programs may mean the
difference between hiring or keeping a good employee and losing them
to the competition.
The 401K Plan has become very popular for corporate retirement
benefits, but it is not for every company. There are several other options
that can be explored for the small business, such as the Simple IRA.
Simple IRAs have the general appearance of the 401K without the high
administrative costs.
Call or email
us for a free consultation on this important area. We have access to
great prototype plans. We also offer a wide range of funding alternatives.
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