We provide comprehensive employee benefit programs that meet the particular needs of an organization. This includes health and dental benefits, short and long term disability programs, accidental death and dismemberment coverage, life insurance and dependent life insurance. Relying on our deep experience, we work with the employer’s representative(s) to determine the program or programs that most effectively meet the needs of the individuals and then package those benefits as cost-effectively as possible. As part of this process we do a complete marketing to all carriers and an in-depth analysis comparing the employee benefit quotes. We will highlight any differences between the company’s benefit design so there are no surprises. Among the pricing issues to be considered are whether the program should be a traditionally fully insured program or one where the employer self-funds the health and/or dental benefit (this is referred to as self-funded or ASO — Administrative Services Only) more... See more text