Group Benefits

Selecting the optimal employee benefits package is a challenge common to all employers today. Offering quality benefits helps attract and retain quality employees.

Here are questions to consider when evaluating benefit programs:

• What benefits do your employees want (medical, life, disability, vision, dental, long-term care)?
• How much will this cost the employer?
• Should you share premium costs with employees?
• How do you manage sizeable annual premium increases?
• Can you change insurance carriers if an employee has a pre-existing medical condition?
• Is the lower quote from a prospective carrier a "teaser" rate?

Employee benefit options have traditionally included medical and dental insurance, disability income insurance, term life insurance and retirement plans. Today, there are many more choices including many we describe as employer "cost neutral" --supplemental and payroll deduction life, optional disability, long-term care, cafeteria plans, payroll deduction investments and life insurance, financial planning, etc.

The cost of group benefits is the same regardless of whether you use an agent or go directly to a carrier. The advantages of using a benefits advisor are:

1) a more efficient utilization of your time because we do much of the administrative work, claims processing, etc.; and

2) a comprehensive benefits plan that results in the optimal package for your available dollars and employee base.

What distinguishes Lang Financial from our competitors is the process we utilize and our level of customer service. Whether you are selecting a new carrier, modifying your existing plan or merely sampling the market, we annually explore all options available to you utilizing a four-step process. Then we assemble the best benefit package reflecting your unique needs.

To learn more about Group Benefits and our unique 4-step process, please click here.

 

At Lang Financial, our hallmark is to answer your questions, help you explore your options and assist you in making the right decisions.
Click here to contact us.

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