Archive for April, 2009
Long-term Disability
TweetIn the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Long Term Disability (LTD) protection is designed to help cover the employee’s expenses while their
Long-Term Care (LTC)
TweetLong-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age. Rising life expectancy means that the potential
Key Person Insurance Protection
Tweet Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities
Health Savings Accounts (HSA)
TweetA Health Savings Account (HSA) helps you save money on health care. By making you a part of the medical services decision process, HSAs are designed to help you manage medical expenses and reduce the continuing raising of health care expenses. Equally as important, the
Group Vision
TweetA Group Vision plan is especially attractive for employers because it is inexpensive to offer, yet it’s another employee favorite. This is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses. Many times the basic health plan may
Group Life Insurance
TweetLife insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families. Employers have a wide variety of optional plan designs to customize a Group
Group Health Insurance
Tweet At The Focus Group, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage. With the changing face of health insurance in today’s market, we at
Flexible Spending Accounts (FSA)
TweetEmployer-sponsored flexible spending accounts (FSAs) are benefit plan arrangements that allow employees to pay for certain health care or dependent care expenses on a pre-tax basis. There are two FSA options. A Health Care FSA is an alternate way of paying your share of your
Group Dental Insurance
Tweet Dental Insurance is one of the benefits most requested by employees. Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions. Most dental
Buy and Sell Protection
Tweet If you have a partner in business, you have a need for insurance so that in the event of death or disability, you can buy out your partner’s interest without having to take out a loan or liquidate company assets. This is also important
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