Employee Benefit Insurance Products

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Providing the best value to your employees is important. Value not only includes the level and cost of insurance, but also service.  We work with a wide variety of insurers, giving us the ability to find the right plan for your business needs.

With all the options available to employers today, such as  partial self funding, level premiums HSA's and other government approved programs, employers need more information and expertise to assist them in making the best decisions for their business and their employees.

• Medical (PPO, HMO, POS, CDH/HDHP, HSA,HRA, Fully Insured, Partial/Full Self Funding)
• Prescription Drug Program (Fully Insured or Self Funded)
• Dental (PPO & Passive Network)
• Life Insurance, AD&D
• Short-Term Disability (STD)
• Long-Term Disability (LTD)
• Statutory (NY, NJ, CA, RI, HI, and Puerto Rico)
• Vision
• Employee Assistance Program (EAP)
• Wellness Programs

• Individual Financial Planning
• Disability Buy-up Programs (individual or group)
• Legal  & Identity Theft
• Group  Homeowner's/Automobile
• Life Insurance - Term/Variable/Universal/Permanent
• Accidental Death and Dismemberment (AD&D)
• Critical Illness (cancer, stroke, etc.)
• Hospital Indemnity Plans
• Pet Insurance
• Long Term Insurance

One of the most important parts for an benefit package.  We help our employees protect their health and finances, but what about after the leave the job?  Most people save for their retirement through their employers.  We partner with one of the most experienced, independent agencies in Michigan.  We work with the best and stay local.

Whether employees are traveling to locations outside of the US or your non citizen, non-employee board members are visiting the US though out  the year.  They can rest assured their healthcare needs will be insured with the coverage insured by well known, financially secure insurance carriers.

• Renewal Analysis, negotiation
• Enrollment
• Implementation & Change paperwork
• Benefit Communications
• Year round claim resolution
• Plan servicing for Administrators and employees
• Monthly statements to Financial Department monitoring enrollment/plan changes