The Employee Benefits division begins with a sound thorough review of your current plan and seeks alternate programs to efficiently enhance coverage. We focus on group products such as health, dental, life, long and short term disability and voluntary benefits. HSA's, HRA's and other consumer driven health plans are a specialty. Retirement products are especially valuable for employee retention and acquisition.

We offer the following employee benefit programs:

GROUP BENEFITS
Medical
Dental
Vision
Life and AD&D
Short Term Disability (STD)
Long Term Disability (LTD)

EXECUTIVE BENEFITS
Key Person Life Insurance
Buy-Sell Agreements
Executive Disability
Business Continuity
Long Term Care
Executive Reimbursement Plans

HEALTH SAVINGS ACCOUNTS (HSA)
Health Reimbursement Arrangements (HRA)
Health Savings Accounts (HSA)

SPECIALTY PROGRAMS
Section 125 – Premium Only Plans
Section 125 – Medical Flexible Spending Accounts & Dependent Care
COBRA
Employee Assistance Programs (EAP)
Chiropractic Plans
Acupuncture Plans

MEDICARE SUPPLEMENTAL POLICIES
Medigap Policies (Medicare Supplements)
Medicare Part D Policies

VOLUNTARY BENEFITS
Dental
Vision
Supplemental Life and AD&D
Short Term Disability (STD)
Long Term Disability (LTD)
Voluntary Supplemental Benefits (i.e. AFLAC, Colonial)