Business Insurance | Individual Insurance | Integrated Insurance Solutions, Inc. | Ancillary Benefits
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Ancillary Benefits

An excellent way to enhance employee benefits.

Employees find significant value in these popular products and are often accustomed to receiving such benefits from a previous employer.

While often these products are voluntary and paid completely by the employee, they provide significant value to your employees. Since these premiums are paid with pre-tax dollars, your organization often saves FICA taxes when an employee purchases these products. This provides value for both the employee and the organization.

Voluntary Benefits

This is a great way to offer a broader range of benefits for those employees who want more, but without actually adding to the employer’s cost. Choices and convenience are important for employees and employers.

Dental

This is a great way to offer a broader range of benefits for those employees who want more, but without actually adding to the employer’s cost. Choices and convenience are important for employees and employers.

Vision

Vision plans today are very cost effective and another popular benefit. Most offer co-pays or large discounts for most services. This can be setup on a voluntary or employer paid basis.

Disability (Short & Long Term)

Government statistics show that between the ages of 30-65, the risk of a disability lasting 90 days or more is 1-in-3. In fact, that is actually much greater than the odds of a premature death. Pay check protection is an often, overlooked benefit as most of us can only go so long without having a pay check coming in. Setup can be voluntary, can be provided for only certain classes of employees, and is available on a short term (26 weeks) or long term (to age 65) basis. It is a very inexpensive benefit compared to many others an employer might offer.

Life Insurance

Many people today still do not carry an adequate amount of life insurance. Here is an inexpensive way to provide a significant benefit for pennies a day. It can be setup by class (different benefit levels for management, as an example); also can be voluntary, employer paid, or even a combination of the two.

Long Term Care

This benefit is gaining greater attention every day as people are living longer and the need continues to increase. Currently, the only federal benefit is under Medicaid and it requires you to spend down your assets first to become eligible. Family members cannot always provide the care or simply do not live in the area and so a facility will need to be utilized. It is a great benefit to offer for certain employers since you can provide it on a deductible level for whomever you wish – including just yourself.

AFLAC

One of the premier providers of supplemental benefits such as dental, accident, cancer, disability, and many others – it allows employees to round out their benefits on a voluntary basis, based on what is important to them. The employer simply makes payroll deduction available and will actually save some money on payroll taxes in the process.

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