Group Insurance

Major Medical

Companies choose Premier Financial because we deliver cost-effective, flexible major medical solutions. We build the packages best suited to meet your company's needs.

Health care is complex enough already; we like to keep things simple. We leverage technology for your benefit. You can depend on us for cost-effective solutions for all your health care benefits needs.

Our innovation and expertise allow us to create customized plans that include a variety of functions:

• Administrative services
• PPO networks
• Review of Use
• Plan analysis and linkage
• Integrating supplemental benefits
• Other vendor relationship
• Pharmacy Manager Benefits
• Stop-loss services

Limited Benefit Medical Plan

No one ever wants or expects to get sick or injured. Hopefully, you and your loved ones will live a healthy life, free of any serious medical problems that could confine you to a hospital for a lengthy period of time. A Limited Benefit Medical Plan is an affordable alternative to a major medical plan.

It features the following benefits:

• Catastrophic Coverage
• Limited access to physician services
• Affordable coverage for blue collar workers
• Customized to meet your employee's needs
• We will review your existing coverage and make recommendations to meet both the employer and employee's needs.

Dental

Protecting You, your Family, your Business or your Group.

• Choose from the finest nationwide and regional plans
• Combined networks of over 100,000 participating dentists
• Low cost Individual and Family plans
• Cleaning and exams on select plans
• Freedom to choose any Dentist
• Choice of $750, $1,000 or $1,500 calendar year maximum per insured person
• Eligible for all age groups
• 12 - 24 month rate guarantee
• Benefits for preventive, basic, major services and ortho options.
• Direct Bill, Automatic Bank Draft, Visa, MasterCard, or Discover

Long-term Disability (LTD)

Long-term Disability (LTD) insurance gives disabled employees replacement income to help carry them financially through that period without seriously changing their present lifestyle or jeopardizing their future dreams.

LTD highlights:

• Group LTD employee coverage available for groups of 10 or more lives
• Base-+ buy-up plans for 50 or more lives
• Blue-collar coverage available
• Full-featured and cost-sensitive plans available
• Flexible plan designs available, including choices of maximum benefit, benefit percentage, benefit duration, elimination period and "own OCC" period
• Disability Management package:
• Accumulation of elimination period
• Progressive partial disability benefit with incentive for return-to-work
• Vocational rehab benefit
• Reasonable accommodation benefit
• First day benefits available for accidents

Base plus buy-up plans for groups of 50+ lives

Short-term Disability (STD)

Short-term Disability (STD) insurance gives disabled employees replacement income to help carry them financially through that period without seriously affecting their present lifestyle.

STD highlights:

• Group STD employee coverage available for groups of 10 or more lives
• Flexible plan designs available (including choices of maximum weekly benefit, benefit percentage, maximum benefit period and elimination period)
• Competitive rates for most occupations
• Multiyear rate guarantees available
• Integration with other benefits
• Partial disability benefit is standard
  First day benefits available for accidents

Section 125 - Cafeteria Plan

A Section 125 - Cafeteria Plan is a plan in which employees can elect to pay for qualifying benefits on a tax-free basis. In layman's terms, This Plan permits employees to purchase fringe benefits with PRE-TAX dollars instead of AFTER TAX dollars.

Section 125 Cafeteria Plans are one of the most-used benefits offered by employers in the United States

How Does A Cafeteria Plan Save Your Company Money?
When your employees participate in the Cafeteria Plan, they direct a portion of their salary to the plan to pay for the benefits previously mentioned. The employees pay fewer taxes in the area of Federal, State and FICA taxes. Through your association with our firm, we can assist you with installing a Section 125 Cafeteria Plan. The plan offers you an inexpensive method in which to add another valuable benefit appreciated by employees. Furthermore, when the employee reduces his gross taxable income, the employer also saves money by paying less FICA on the reduced payroll base.

Qualifying benefits include:

• Medical expenses not covered by insurance, such as eyeglasses, annual physicals, deductibles and co-insurance;
• Qualifying travel expenses related to physician visits and hospital stays.
• Adult and child daycare expenses (the cost to care for the dependent while the employee works);
• Employee option of other insurance coverage, including dental and vision insurance premiums;
• Employee option health and accident insurance premiums (employee portion);

We write plan documents. Click here for a complimentary customized quote!

Click here for an example of employer savings!

Vision

According to the American Academy of Ophthalmology, many sight-threatening diseases, if detected early, can be cured or treated to prevent, or slow, the progression of any vision loss. The most important preventive step is receiving routine examinations by a qualified eye care professional.

• Discount or full plans options available
• Exam or Exam and material options
• Network Flexibility
• Stand-alone plans or plans combined with major medical coverage
• Voluntary or employer paid plans

Supplemental Insurance

Allstate

The purpose of supplemental insurance is simple...it fills the gaps other benefit plans leaves open. For example, many employer-provided benefits only provide essential protection and are not designed to cover all your needs.

Supplemental Insurance benefits are also designed to expand your company's benefit package.