EMPLOYEE BENEFITS

Employers can better position themselves to attract and retain the most talented workers by focusing on employee benefits. Our team of specialist will assist you in designing, implementing and managing a custom benefits strategy that best meets your organizations goals.

  • Group Health Insurance Let our professionals customize a group health plan specifically designed to meet the needs of your growing business.
  • Dental Insurance Our professionals can customize a Dental Plan specifically designed for your company.
  • Vision Insurance Our professionals can customize a Vision Plan specifically designed for your company.
  • Group Life Insurance Our professionals can customize a Vision Plan specifically designed for your company.
  • Disability Aflac helps you create a more attractive employee benefits package, at no direct cost to your company. Today over 400,000 businesses across the United States make Aflac insurance policies available to their employees.
  • Supplemental Insurance Aflac helps you create a more attractive employee benefits package, at no direct cost to your company. Today over 400,000 businesses across the United States make Aflac insurance policies available to their employees.
  • Retirement Plans Help employees prepare for the retirement they want. Our retirement experts can help you create a cost-effective retirement plan for your company that is easy to maintain. SEP Plans, Simple IRA Plans, 401K Plans.
  • Cafeteria Plans Employees of employers with cafeteria plans may obtain such benefits as health insurance, group-term life insurance, and flexible spending accounts through the plan. Though some cafeteria plans offer an explicit choice of cash or benefits, most today are operated through a “salary reduction agreement”, which is a payroll deduction in all but name. Deductions under such agreements are often called “pre-tax deductions.”Salary reduction contributions are not actually or constructively received by the participant. Therefore, those contributions are not considered wages for federal income tax purposes. In addition, those sums generally are not subject to FICA and FUTA. Reasons for implementing a Section 125 plan are primarily for the tax savings advantages for the employer and employee. Both parties save on taxes and therefore increase their spendable income. Employee pretax contributions are not subject to federal, state, or social security taxes.
    Generally employees save from $.25 to $.50 in taxes for every dollar they contribute. Employers save on the employer portion of FICA, FUTA, and Workers’ Compensation premiums. It is generally thought that employers experience a renewed appreciation from their employees. The company, in effect, is giving the employee a “raise” without the cost of the raise coming from the employer.
The Importance of Employee Benefits
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