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Group Health Insurance

Health plans for your business.

Group health insurance written by Universal Group, Ltd.

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In general, 团体健康保险是员工的第一优先事项,也是雇主仅次于工资的第二大支出. 我们将帮助您了解医疗保健流程,以便您能够雇用和留住顶尖人才.

One of the most important benefits to offer employees.

Some employee benefits feel like a nice bonus, but in most cases, 员工将医疗保健视为薪酬方案的核心部分——可以说和工资本身一样重要. 购买团体健康保险是企业招聘和留住员工的一种经济方式, and increase the likelihood that they’ll be fit to work.

Plans range from covering employees only to including dependents.

Depending on the plan, 您的企业可以只为员工提供保险,也可以选择为员工的家庭和经济依赖者提供保险, as well. 此外,你的公司可以选择全额支付保费或与员工分摊费用.

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Employee Benefits
Group Health Insurance
Risk Factor

吸引和留住优秀员工的主要因素之一是雇主提供的福利计划. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, 有很多方法可以为你的员工和他们的家属提供医疗保险. Offering health insurance doesn’t have to break the bank. 有许多解决方案适用于小型、中型和大型雇主.

Group Life Insurance
Risk Factor

当员工担心自己的财务状况时,他们的工作效率可能会降低. 今天许多人没有人寿保险或足够的储蓄来支付最后的费用, 当有需要时,哪些会给员工和/或他们的家庭带来额外的压力.

Solution

A group life insurance plan can put your employees’ minds at ease, 知道他们的家人在需要的时候会有可用的资源. 保单还可以包括一项受抚养人福利,帮助员工支付他们的受抚养人去世后的费用. 另一个解决方案是提供自愿终身福利,员工通过工资扣除支付的保费比他们自己投保时支付的保费要低. Group life insurance is also tax deductible.

Disability
Risk Factor

许多雇主面临着提供比竞争对手更低的工资,发现很难找到和留住合格的工人.

Solution

提供短期和/或长期的残疾项目可以为未来和现在的工人提供另一种形式的经济稳定. An employee may be offered a higher wage elsewhere, 但如果她们因怀孕而停止支付工资,她们会得到保护吗, illness, or other disability? How will they pay the mortgage or other bills? 提供残疾计划的雇主可以让员工安心,并且比那些没有残疾计划的雇主更有优势.

Group Dental Coverage
Risk Factor

没有定期进行牙齿检查可能会导致比牙痛更严重的问题.

Solution

为员工提供牙科保险可以帮助他们定期去看牙医. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, 在大笔索赔到来之前,这可能有助于降低你的长期健康保险费用!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, 他们可能有潜在的疾病,如心脏病或糖尿病,这些疾病可能会在以后出现,给你的医疗计划带来更大的费用.

Solution

提供视力保健保险是提供健康福利的一个非常实惠的组成部分. 这是一揽子福利中价格低廉的一部分,回报价值高,可以帮助抵消医疗费用增加的影响, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

不能满足员工的个人需求可能会对员工的保留和吸引新人才构成威胁, both of which can be costly to your bottom line.

Solution

提供自愿保险可以让你的员工选择对他们重要的福利. 这是一种经济有效的方式,可以提供各种各样的福利,对你每月的保费影响很小或没有影响. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • 终身,受抚养终身,短期和长期残疾保险.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

合规审计正在增加,劳动部的罚款可能代价高昂. 如果收到审计信,你是否已经准备好了所有的文件和文书工作?

Solution

一个好的利益经纪人会教育你的合规性,让你准备好迎接那可怕的一天. 包装文件涵盖了所需的大部分内容,其余的表格应易于获取,并附有分发给员工和/或合格参与者的证明.

How the costs of coverage are determined.

团体健康保险的相关费用因公司所在地而异, how many employees you want to cover, and how old the employees are.

How the Affordable Care Act affects group health insurance.

Since the Affordable Care Act took effect, 雇员的病史和先前存在的疾病不重要. Because you’re pooling the risk with group health insurance, 你的企业为每个员工支付的价格通常比他们单独购买保险的平均金额要少得多.

Potential tax benefits available to employers.

Group health insurance also comes with tax benefits. The premiums you pay as an employer are fully tax-deductible. 非常小的企业也可以获得高达保费成本一半的税收抵免.

Ready to offer group health insurance to your employees? We can help you weigh your options.

团体健康保险-家庭医生帮助宝宝与泰迪熊

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