Insurance Benefits & Advisors partners with employers of all sizes, understanding that each organization has unique needs.
Areas of Practice
Health Insurance
Insurance Benefits & Advisors collaborates with every major health insurance provider in the marketplace to deliver the best benefits for your employees at the most competitive premiums. While traditional insurance remains a core offering, Insurance Benefits & Advisors consistently explores innovative solutions to help reduce and control employer healthcare spending. In fact, we began introducing partially self-insured plans to our clients over thirty years ago—long before it became a trend.
Dental Insurance
Dental insurance is a highly valuable benefit for both employers and employees. In fact, more than two-thirds of your employees’ overall health issues can be detected by dental hygienists during routine cleanings. Early detection leads to healthier employees, lower medical claims on your health plan, and—perhaps most importantly—reduced absenteeism. Most dental plans include two routine cleanings every 12 months, with no deductible and 100% coverage.
Vision Insurance
Vision coverage is another essential employee benefit that directly impacts productivity. Poor vision often leads to headaches and eye strain, which can significantly reduce focus and efficiency. By addressing vision issues, employers can help improve concentration and overall performance. Most vision plans include an annual eye exam with just a $10 copay. Additionally, depending on your group size, many carriers offer three-year rate guarantees, ensuring long-term premium stability.
Life Insurance
Group life insurance is a cost-effective benefit for employers and highly valued by employees. In addition to basic coverage, you can offer voluntary life insurance options for employees and their dependents. Employees appreciate the convenience of purchasing additional life insurance through payroll deductions—making it easy to protect their loved ones in the event of an unexpected loss. Depending on your company’s size, many insurers now offer two- or three-year premium guarantees, providing cost stability over time.
Short and Long-Term
Disability Insurance
(STD & LTD)
Short-Term Disability (STD) and Long-Term Disability (LTD) coverage provide employees with essential financial protection. In the event of an illness or accident, these benefits ensure that employees continue to receive a portion of their salary as outlined in your disability plan. This financial support offers peace of mind and stability during challenging times. Many carriers now offer two- or three-year premium guarantees, adding predictability and value for employers.
Voluntary Benefits
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Voluntary benefits continue to grow in popularity, offering employees greater flexibility and personalization. Employees can select from a menu of options that suit their individual needs and those of their dependents. These benefits range from legal plans and pet insurance to accident and cancer coverage—and even additional life insurance beyond the employer-paid base amount. Because these benefits are voluntary, employees pay 100% of the cost, and most plans are portable, allowing coverage to continue even if employment ends.