Employee Benefit Plans

Insurance Related Employee Benefits

In this day and age when finding and keeping good employees is more and more competitive, the difference many times can be the package of Employee Benefits that you have to offer. Good employee benefits don’t have to be expensive. We can show you excellent Employee Benefit plans that are affordable. Many of these Employee Benefit plans offer “base” plans that allow the employee to “buy up” to higher levels of coverage using “pre-tax” dollars. There are Employee Benefit plans that you can offer your employees (think Aflac types of plans) that are non-contributory on the employer’s part (also called Voluntary Employee Benefit Plans) that may even save you, the employer, money. We can show you those.

We can help you with Group Life Insurance, Keyman Life Insurance, Deferred Compensation Plans, Group Disability Insurance, Group Long Term Care Insurance, Critical Illness Insurance, Accident Insurance and Major Medical Complement plans. To find the best Employee Benefit plans for you and your employees, we will do a fact finding meeting to gather certain key information, including obtaining an employee census and determining if there are any pre-existing medical situations that we need to work with. This will allow us to come back with a detailed report showing you all of your options and how they compare.

Once you decide on which Employee Benefit plan or plans you want to participate in, we will come back and do employee meetings to help explain the new Employee Benefit Plans and help with the completion of all necessary forms. If you have any Employee Benefit questions, or would like a free Employee Benefit Plan quote, please call us.

Retirement Plans

Whether you are the only employee of your business, or have dozens of employees, picking the right Retirement Plan, with great options, but with reasonable costs, can mean the difference between a “retirement” and a “great retirement” for you and your employees. This is especially important since, starting in 2012, employee’s retirement benefit plan statements will have to show, not only the value of the employee’s account, but what the retirement plan actually costs! Many employers and employees don’t know what the plan actually costs and are shocked when we show them. We can offer everything from Simple IRAs, SEPs, 401(k)s, and even Roth 401(k)s. For a free Benchmarking Report of the costs of your existing retirement plan, questions on setting up a new retirement plan or a free.

Let us help you with any and all of the following employee benefit plans:

  • Health Insurance (including HMOs, PPOs, Indemnity plans and Medical Savings Accounts)
  • Dental Insurance
  • Disability Insurance (both short term disability and long term disability)
  • Long Term Care Insurance
  • Life Insurance
  • Voluntary plans (similar to Aflac) like, Vision Insurance, Cancer Insurance, Accident Insurance, Critical Illness Insurance, Disability Insurance)
  • Retirement Plans (401(k) and 401(k) Roth and SEPs, Simple IRAs)

Serving clients in Amelia county, Chesterfield County, Goochland County, Hanover County, Henrico County, Louisa County, New Kent County, Powhatan County, Ashland, Charlottesville, Mechanicsville, City of Richmond, City of Petersburg, Colonial Heights, Newport News, Tappahannock, James City County, Williamsburg and more....