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Risk management strategies aredesigned to efficiently and
effectively impact financial exposures/cost associated with employee benefit
plans by actively managing yourdirect and indirect benefit costs. This will
have an effect on your bottom line.
There is a positive effect on LTD, STD, workers comp, and
presenteeism.
Whether your company has two employees or thousands, Ag
States Group can partner with you to design a comprehensive benefit
plan. An affordable, quality benefit plan that makes employees feel good about
working for you. Your employees are your biggest asset, and having a benefit
plan to meet their needs will lead to increased loyalty, productivity and profitability
for your company.
Ag States Group offers the following Employee Benefit
Products:
Health Insurance
Active Health Claims Management
Dental Insurance
Life Insurance/Accidental Death & Dismemberment
Short-term Disability Insurance
Long-term Disability Insurance
Vision Insurance
Voluntary Products
Section 125 Plans
Key Person Life
Key Employee Retention Plans
COBRA Services
Total Compensation Statements
Health Insurance
Health Insurance is one ofyour largest business expenses.ASG offers a complete line of Health Insurance products from Fully –insured to Self-insured plans.We have preferential provider relationships with regional carriers, as well as access to Consumer Driven Health Plans. return to top
Active Health Claims Management
Our wellness planis one of the most cost efficienthealth risk managementtools available.It is an active wellness planthat is focused on identifying, managing and improving health risk factors. return to top
Dental Insurance
ASG has an exclusive trust arrangement for our clients thru Delta Dental.This provides discounted group dental plans using the DeltaPreferred Option andDeltaPremier Option networks.There are two plans available: a traditional plan and a voluntary plan.Plan availability varies by state.Please contact an ASG benefits representative for further details. return to top
Life Insurance/Accidental Death and Dismemberment
ASG offers plans underwritten by financially secure carries that offer competitive rates and benefits.We can offer your employees a flat amount of group life and AD&D insurance or a multiple of salary.In addition, dependent life insurance is also available for spouses and children. return to top
Short Term Disability Insurance
This provides your employees with income replacement in the event of a no-work related illness or accident.Benefits can start on the 1st, 8th, 15th or 30th day of a disability and continue for up to 6 months.The benefit amount is usually 60% of salary.This isvery important given that most families have not saved enough money to provide for expenses without a regular paycheck. return to top
Long Term Disability Insurance
This coverage usually begins after90 or 180 days (employer’s choice) of a disability and continues until the disability ceases or until Social Security Normal Retirement age is reached.This coverage is usually combined with a Short Term Disability plan. return to top
Vision Insurance
Our vision coverage can be purchased on a stand-alone basis or tied to other coverage depending on group size.We offer the traditional Vision Service providers as well as a vision discount plan. return to top
Voluntary Products
Voluntary products are fast becoming a major employee benefit.Voluntary products are 100% employee paid and include Life Insurance, accidental death and dismemberment, dependent life insurance, dental insurance, visioncoverage, oreven disability insurance.These plans can enhance your total benefit package without additional employer contributions. return to top
Section 125 Plans
Section 125 plans come in two forms. The basic 125 plan allows your employees to pay their portion of their benefit costs on a pre-tax basis.The full 125 plan adds Medical reimbursement and Child care accounts on a pre-tax basis to the basic plan. return to top
Key Person Life
This is a benefit for key people within your company – a person whose death or disability would adversely affect the earnings of your business.This policy is owned by the business and the business is the beneficiary.We have arrangements with several companies that will provide very competitive pricing and underwriting. return to top
Key Employee Retention Plans
The departure of a key employeecould negatively affect your bottom line. If this is the case, we have plans that will helpto retain your key employees on a selective basis. return to top
COBRA Services
We can take the burden of COBRA administrationoff your Human Resouces Department.Our vendor will send out mailings and make sure you are COBRA compliant. return to top
Total Compensation Statements
A statement which shows the total cost of benefits provided to employees.We have the ability to generate statements for your employees which show the true costs of benefits provided to them.These can be personalized with your logo. return to top
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