Let me help you build a benefit package
best suited to meet your needs
Health insurance is a product that insures plan members are covered for various medical expenses. We offer plans with a broad range of deductibles, including high deductible HSA eligible plans. We represent a number of carriers including Blue Cross Blue Shield of Montana and New West Health Services.
Dental plans can include coverage for cleanings, exams, basic and major procedures, and orthodontia. Studies have shown that regular dental exams and cleanings are important to help with overall health maintenance. Vision coverage can include eye exams and help cover costs for new contact lenses, lenses and frames.
Term Life Insurance features temporary, cost-effective coverage with the ability to change with your needs and the flexibility to change your policy when your needs turn into permanent goals. Similarly, Accidental Death & Dismemberment policies provide limited benefits for accidental death and/or dismemberment.
What happens if you have an employee that is suddenly injured off the job?Employees want to know they'll still have income while off the job. Short term disability is a type of insurance that pays a percentage of an employee’s salary for a specified amount of time, if they are ill or injured, and cannot perform the duties of their job.
According to one major provider of disability insurance, 3 out of every 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for 3 months or longer, with nearly 60% of these injuries occurring off the job. If an employee is hurt off the job, worker’s compensation does not cover the injury. When an employee cannot work for an extended period of time, a long term disability plan can help cover a portion of the employee’s salary. Long term disability usually kicks in after a short term disability policy has run out.
Long-term care insurance is a relatively new type of coverage that allows you to transfer some of the risk of needing expensive long-term care service to an insurance company. Group and multi-life discounted long-term care plans are becoming more popular.