If you choose to offer health insurance to your employees, PNL Benefits can help you secure your best option. We represent a variety of carriers who offer affordable health benefits and insurance plans that can be customized to meet your needs. We’ll guide you to get more from your health care expense, help your employees understand their insurance options and provide you with support through the life of your insurance investment.
A majority of employees consider dental insurance as one of the most desired benefits. We represent insurance carriers who cater to small and medium-sized businesses, which means your costs and the benefits will be best suited to your needs.
Vision insurance is a low-cost benefit that many employees need. Coverage can be purchased as part of a package or as a stand-alone option, which means you have affordable and flexible choices.
Disability insurance replaces a portion of a person’s income if they become ill or injured away from the job and are unable to return to work. Disability insurance can help cover essential living expenses, so it can help protect the employee’s financial security until returning to work. Some employers purchase short term or long term group disability insurance so that they can offer the coverage to their employees. While anyone can apply for disability income insurance on an individual basis, having employer-sponsored coverage has more employee advantages.
Life insurance is designed to provide financial relief to the employee’s beneficiaries. Your employees may want to include life insurance coverage as part of their benefits package to protect their love ones against risk.
A company’s growth hinges on its ability to attract and retain the best employees. As a result, even small companies need to provide modern benefits in order to compete. One of the most important and common benefits is a retirement plan such as a 401k retirement plan. 401k’s are popular due to the low cost to employers and high popularity with employees. A properly created PNL Benefits retirement plan can run smoothly with a minimal amount of effort by the business owner and can increase happiness and loyalty for employees. Contributions for employees can be made by the employee, the employer or both. Assets in the 401k plan grow tax-deferred or tax-free depending on the structure of the plan.
Group Long Term Care Insurance
Employers can offer Long Term Care coverage and pay all or part of the premium. Many Group Long Term Care plans are issued on a “guaranteed Issue” basis which benefits those who have health conditions. These plans also allow employees to purchase coverage for their elderly parents.
Employee Paid Supplemental Benefits
Employee Paid Supplemental plans are insured through AFLAC and include injury & accident coverage, cancer plan coverage, hospital coverage and short term disability.