Employee Benefits

A Group Health Plan is a valuable recruiting tool, improves employee retention, and excludes participating employees from potential Affordable Care Act penalties. More importantly, plans provide employees and their families health and financial stability in the event of a medical crisis. Southeastern Insurance Consultants teams with clients to fit the right plan to their needs. Our knowledge of plan benefit designs and funding arrangements allows us to help employers from those with just a few employees to those with several hundred employees spread across multiple states. SIC services include benefits review, annual market evaluation, employee communications, employee education meetings, and ongoing government compliance and reporting.

One of our most important abilities is working to earn a living. When this is lost, either temporarily or permanently, it is essential to have protection of income. Disability insurance is the answer when this this ability is threatened by sickness or off-the-job accidents. Life insurance also plays a vital role in the financial protection of an employee and his/her family. Too many do not plan adequately for the expenses associated with the end of life and beyond, so this benefit is greatly appreciated in an unfortunate circumstance. Group Life Plans can also provide employees with access to life insurance at guarantee issue amounts at affordable rates that may not be available to them otherwise.

Group Dental Plans give employees and their families easier access to important dental care with the potential for network discounts from participating dentists and benefit designs that hold dental expenses in line with their budget. Vision Plans also provide the simplicity of paying a copay for an eye exam and saving money on vision wear accessing network provider discounts. Benefit allowances are generally part of the benefit design to help with the out-of-pocket expense when purchasing glasses or contact lenses.

With the rising costs of healthcare, employers are faced with the tough decision of increasing plan deductibles and out-of-pocket maximums. Employees may or may not have the savings to account for this when faced with a major medical event. Whether it is an off-the-job accident or cancer, bills outside of just medical have the potential to pile on fast. SIC can review with employers what is available, recommend what they want offered to their employees, and educate employees as they enroll. There are a number of options available when it comes to Voluntary Benefits.

We can help with these and more:

• Critical Illness

• Accident Insurance

• Cancer Insurance

• Disability

• Whole Life Insurance