Whether your company has two employees or thousands, Ag States Group can help you design an affordable, comprehensive benefit program to fit your business. We can be your partner to keep current with the ever-changing health care industry, ensuring you continue to offer a benefits program that supports improved staff loyalty and productivity.
In addition to traditional insurance plans, our incentive-based wellness programs bring active health care management to the workplace. In many cases, employees’ health drives insurance premiums and some 70 percent of adults are not even up-to-date with preventive care. These wellness programs provide your staff with insurance premium incentives for meeting age- and gender-specific health and care guidelines, using an independent evaluator to ensure privacy. Contact us today and let us tell you more about actively managing your health care costs.
Ag States Group offers the following Employee Benefit
Programs:
Health Insurance
Wellness Programs
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 of your largest business expenses. Ag States Group 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
Wellness Programs
Our wellness planis
one of the most cost efficient health risk management tools available. It is an
active wellness plan that is focused on identifying, managing and improving
health risk factors. return to top
Dental Insurance
Ag States Group has an exclusive trust
arrangement for our clients thru Delta Dental. This provides discounted group
dental plans using the Delta Preferred Option and Delta Premier Option
networks. There are two plans available: a traditional plan and a voluntary
plan. Plan availability varies by state. Please contact an Ag States Group benefits
representative for further details. return to top
Life Insurance/Accidental Death and
Dismemberment
Ag States Group 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 after 90 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, vision coverage, or even 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
employee could negatively affect your bottom line. If this is the case, we have
plans that will help to retain your key employees on a selective basis. return to top
COBRA Services
We can
take the burden of COBRA administration off 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
