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Group Dental Health Life: |
| Horizon Coast Insurance and Financial Services, LLC has the range of benefit solutions and the expertise you need to solve today's insurance challenges in providing group benefits. We represent employer groups from 2 to 5,000 employees for a wide range of group insurance products. We can function as either your broker or consultant. Whether your need is for Health, Dental, Life, Disability or Long-Term Care Insurance, with Horizon Coast Insurance and Financial Services, LLC you can choose from an unsurpassed portfolio of benefit solutions. We take a consultative approach by analyzing company demographics in order to help provide the best solutions that fit your needs. We represent YOUR interests and search the marketplace for the most appropriate coverage at the best price for your needs. And, you'll also discover how our capabilities can make managing benefits easier.
A partial list of the coverage we offer to our clients
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Group
Health: If
you've ever been sick or injured, you've probably
recognized the importance of Health insurance.
Health insurance helps to ensure that you and
your family are protected against the financial
hardships that may result from health care
expenses. Health insurance provides the foundation
for many employee benefit programs. Medical
insurance plans can help provide employees
and their families with the right amount of
financial protection when sickness or injury
requires medical care, emergency treatment
or hospitalization. Most small businesses offering
their employees Group Health insurance plans
contribute towards the cost of the coverage.
Some pay for all of the employees' premiums
(for single coverage) and have the employees
pay the premium if they need coverage for their
families. Other small businesses pay a percentage
of the total health insurance premium cost.
As the cost of health care continues to increase
at a rate much faster than inflation, many
large employers and small businesses choose
to have their employees make a contribution
towards the cost of health insurance coverage.
The health insurance plan that works best for
your business is determined primarily by your
location, the physicians and hospitals available
through the health insurance plan, options
offered by each insurance plan, and what your
budget can accept. Employee benefits are an
important factor to any business in hiring
and retaining a good work force. We can provide
assistance to your benefit administrator in
answering employee's questions and requests
pertaining to health insurance for groups.
Every business needs to review periodically
their employee benefit health insurance plan
to ensure that this major expense continues
to offer the highest quality group health insurance.
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Group Dental: Dental
care is a part of healthy living, and for this
reason a dental benefit plan is a highly appreciated
employee benefit. Yet, many employers do not
offer a dental benefit plan as part of their
overall benefits programs. This can add a financial
burden for employees. Fortunately, we have
the knowledge and innovation to offer a range
of
affordable dental benefit plans to fit the
needs of nearly all employers.
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Group Life:
Life insurance helps surviving family members through the financial transition that follows the untimely death of a loved one. Employees appreciate the convenience of adding life insurance at work, along with the affordable group rates and ease of issue that comes with group policies. Given the opportunity, employees often desire additional coverage through voluntary insurance options. Group life insurance products are designed to supplement existing benefits programs by providing employees with an additional means of helping to provide financial protection to their families. They are easy to administer, so administrative workloads are reduced and costs minimized.
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Group Accidental Death and
Dismemberment: Accidental
Death and Dismemberment (AD&D)
insurance provides around-the-clock coverage
for your employees in the event of accidental
death, severe injuries, or paralysis resulting
from accidents on or off the job. Basic AD&D
coverage is generally employer-paid, and typically
provides an accidental death benefit equal
to an employee's
basic term life insurance amount. Basic AD&D also provides specified
percentages of an employee's accidental death benefit amount for qualifying
injuries. We offer a variety of AD&D
coverage to help round out employee benefit
packages, and several innovative features add even greater value to
our products, showing concern for employees'
financial security while maintaining operating
costs.
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Group Short Term and Long
Term Disability: Disability
income insurance provides benefits to employees
who are unable to work due to disability resulting
from sickness or injury. Our disability insurance
is designed to encourage employees to return
to work. Our focus is on each employee's abilities.
Our Long and Short Term Disability policies are
based on a philosophy that focuses on employees'
abilities and concentrates on early intervention
and rehabilitation programs which motivate employees
to return to work sooner, while accommodating
their individual needs. .
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Group Long Term Care: Long-term care is the personal care and other related services provided when people are
unable to provide for themselves as the result of a disability or prolonged illness. It provides coverage
under specified conditions, for skilled nursing, intermediate care, or custodial care for a patient in a
nursing facility or his or her residence following an injury. Implementing a long-term care insurance
program can be an important part of your strategy to recruit and retain the best talent, contain costs,
and enhance employee productivity. For your employees, it can make a big difference in their quality
of life and financial security.
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401k Retirement and Profit Sharing Plans: Employee benefits are an important factor to any business in hiring and retaining a good work force.
Retirement plans allow investing in the future now for financial security when you and your employees retire. A retirement plan has lots of benefits - for you, your business
and your employees. You and your employees get significant tax advantages and other incentives. Every business needs to review periodically their employee retirement and profit
sharing benefit plans to ensure that this major expense continues to offer the highest quality benefits for your employees. We can offer a variety of retirement plan that can
help your employees plan, save, and live a better life in retirement. The retirement plan solutions are designed to be flexible, so they can accommodate the needs of all your employees,
whatever their situation.
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If you are an Employer interested in obtaining further information about developing
a Group Insurance or Retirement Plan for your company please contact us
for costs and details. Please ensure you complete the quotation form below
as accurately as possible. If you would rather |
speak to one of our representatives,
please Call (973) 836-0310 or e-mail: groupplan@horizoncoast.com to
setup a confidential consultation. |
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| Completion of this form is for informational purposes only, and is just an estimate and is not a statement of contract. Coverage may not apply in all states. This WILL NOT result in a new policy, or change to an existing policy. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements |
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