Keep Your Best Talent in Place

Insurance can convince your employees the grass isn’t always greener.

Employee retention is key to an efficient workplace. As you know, high turnover increases training costs and also breeds a transitional culture. Insurance can convince your employees the grass isn’t always greener.


Group Health

Having the security of an employer sponsored health plan gives your company a selling point when shopping for that new employee. More importantly, employees with health coverage often miss less work due to illness and are therefore more productive. We will sit down with you and your employees to be sure they understand the benefits of your group plan as well as COBRA and portability options available. We represent all of the competitive health insurance companies, so you can rest assured we will find the best option available for you and your employees.

Don’t think your organization is ready to jump into the health insurance business or have concerns about the future of your group benefits? We also represent a flexible benefit company that allows you to contribute, tax-free, to your employees’ purchase of individual health plans at an amount of your choosing. You also have the option of setting your own eligibility criteria, while at the same time allowing each of your employees a customized plan just for them. Give us a call to learn more.


Group Life

Group life insurance is an affordable way to enhance your employee benefits package. Options available include:

  • Flat benefits or salary multiples
  • Guaranteed issue amounts based on total amount of insured volume
  • Portability of employee amounts as long as the premium is paid
  • Waiver of premium
  • Accelerated benefits
  • Voluntary benefit options to keep your budget in check


Group Disability Benefits

We offer several different disability benefits to help meet your employees protection needs. Group plans can either be 100% employer paid or shared between the employer and employee if participation requirements are met. Coverage features may include:

  • Guaranteed issue for the full benefit amount
  • Choice of elimination periods and benefit durations
  • Choice of percentage of income replacement
  • Monthly benefits up to $15,000, depending on SIC code
  • Choice of own occupation and residual definitions of disability


Group Long-Term Care Benefits

Group Long Term Care (GLTC) insurance is a valuable financial and retirement planning tool for your employees; as well as a valuable productivity and recruitment tool. In a competitive business environment, it is important to retain and attract good employees. Having a well rounded benefits package including GLTC can help accomplish that goal, especially with today’s aging and diverse workforce. Several highlights of this coverage are:

Employees may choose the beneficiary. This means that they may purchase the coverage for their parents, which may give them peace of mind knowing they will be cared for and you peace of mind knowing your employee can remain on staff if their parent requires care.

The option to choose a fixed monthly benefit which remains the same regardless of expenses. This means the benefit is not offset by Medicare or other insurance and no receipts are required.

You, as the employer, may choose the monthly benefit amount and elimination period.

Feel free to give us a call for more info about long term care insurance.

Advantages of Working with a Ness Insurance Agent

Being a Trusted Choice Independent Agency, we have found success by doing business with highly rated companies with very competitive coverage and rates. The protection and security of our customers is our highest priority and we pride ourselves on backing it up with outstanding customer service.

  • Expert knowledge and expertise
  • Personalized solutions and service
  • Quality coverage with maximum savings
  • One-on-one claim assistance
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