Our team will work with you to identify and insure your existing needs as well as prepare you for those unexpected events that could occur in the future.  We will be an advocate for you during the decision making process to ensure that a decision is made with confidence.

A company’s most valuable asset are their employees.  Our team will analyze your benefits package and offer solutions that could reduce the premiums paid, improve employee morale and boost productivity which will help increase profits.

Personal Benefits:

• Life
• Health
• Long Term Care
• Long Term Disability

Employee Benefits:

• Group Life
• Group Health
• Long Term Care
• Short and Long Term Disability
• Property & Casualty for home, auto and umbrella

Did you know …

• Typical caregiver is in her mid 40s and provides 20+ hours per week of care
• 77% of employees ranked Long Term Care Insurance as a top financial concern
• LTCI is the #1 requested voluntary benefit by Baby Boomers
• Group LTCI is available to the spouse, family members and in-laws of the employee with minimal underwriting and usually a discount of 10-15%
• LTCI can alleviate impacts on job performance and company expenses by reducing:
• Workday interruptions, employee stress, time away from work, resistance to relocate

Disability Insurance versus Long Term Care Insurance

Disability insurance is similar to life insurance as its purpose is to protect future earnings by replace your income in the event that you become physically unable to work.

While most people are prepared for the medical costs of severe injury or sickness through health insurance there is a significant gap in coverage without disability insurance.  Most do not protect themselves from the loss of wages that accompany accidents.  In general, if you count on your job to pay your bills and to live, you should purchase disability insurance.

Employers offered disability insurance plans vary and may or may not offer adequate coverage.  Payouts are subject to taxes.

There are two types of disability insurance, Short and Long Term.

Short Term Disability replaces lost salary when the insured misses six months or less of work and after all sick leave has been exhausted.

Long Term Disability typically replaces 60% of salary.  Policies vary by definition of disability, percentage of salary paid and with duration of payments.  These policies can be “own occupation” or “any occupation” policies.  It is very important to know the differences between both policies.

Long Term Care insurance typically covers health care at home, nursing homes or assisted living centers.   Policies vary from amount paid, method paid (cash or reimbursement), duration of benefits and by definition of eligibility for claim.