At Beneficial Solutions, we believe in building long-term relationships with our clients. Maybe that's why more than half of our clients have been with us for 10 years or more. Our business model is founded on the principals of outstanding service, integrity, and knowledge. These qualities are just as important today as they were when we opened our doors more than 20 years ago. We consult with our clients to tailor a unique benefit plan that meets their specific company needs, whether that be fully funded, self-funded, HRA, HSA, or traditional health insurance platforms.
Because of all the recent government regulation, the health insurance market is changing rapidly. Businesses are struggling with medical costs that seem unsustainable in both the short and the long term. Let Beneficial Solutions help your company to meet these new challenges and create a cost/benefit structure that will keep your benefit package solid for the foreseeable future.
Group Wellness Programs
With medical costs at an all time high, it's tough to ask a client to spend even more on a wellness program, especially when the benefits may not be apparent for several years. At Beneficial Solutions, we use the carrier and provider systems that are already in place to develop a successful and low cost wellness program allowing companies to be more proactive and less reactive when it comes to controlling medical premiums long term.
Dental insurance, like health insurance, is a definite advantage in recruiting and retaining top talent. It has consistently ranked as the third most utilized benefit behind medical and prescription benefits. From plans that cover only preventative visits, to policies that pay for bridges and crowns, we'll help you choose the right policy for your company's needs.
For most workers, the ability to earn a living is their most significant financial asset. Lengthy periods of disability can be financially devastating to workers and their families. Protection against that risk lies in disability income insurance, a product that can provide income to an employee should he or she become sick or injured and unable to work.
Group & Voluntary Life
Many employers offer a core amount of life insurance to their employees. Sometimes this is a small flat amount and sometimes it's contingent upon salary. In this economic climate, more and more employers are looking toward voluntary life benefits as a way to offer more value for less money. An employee is given the opportunity to choose a life insurance amount that's right for them (over and above the core amount) and typically the first $50,000 to $100,000 is guaranteed issue.
Key Person Insurance
Key person insurance provides peace of mind to business owners and shareholders alike. With key person insurance, the business can continue operations without major disruption in the event of the loss of a key employee. If death or disability strikes your company, key person insurance may be the difference between the company's demise and its ultimate success.