Group Health Insurance

In a survey of U.S. adults with employer-sponsored health benefits, fifty-six percent said a key factor in deciding to stay at their current job was whether or not they liked their health coverage. Forty-six percent said in choosing their current job, health insurance with either the deciding factor or a positive influence.

Choosing a group plan can:

  • Save on personal health care costs
  • Increase tax deductions
  • Boost job satisfaction
  • Provide wellness benefits, including onsite screening and online tools for employees

Group health plans can also coordinate with:

  • Consumer driven health care options including Health Savings Accounts (HSAs)
  • Health Reimbursement Accounts (HRAs)
  • Individual Coverage Health Reimbursement Accounts (ICHRAs)

Group Life Insurance

Group life insurance is a fundamental component to the overall benefits program offered by your business.

Term Life is an excellent employee retention tool that offers your employees and their dependents a cost-effective financial safety net in their time of need. This benefit typically has more lenient underwriting than individual life insurance. Coverage options include:

  • Basic and supplemental term life
  • Dependent term life
  • Voluntary life

Additional Employee Recruiting & Retention Benefits

By providing for these basic insurance needs, an employer can ensure that their employees are healthier and happier – often with fewer absences from work. Offering these basic benefits will also keep your business relevant in today’s competitive recruiting market while also retaining top talent. Policies on a group chassis are typically more cost effective than comparable individual coverage, and have more lenient underwriting when required.   

Below is a list of additional benefits Graber & Associates can help you implement:

  • Life Insurance
  • Dental & Vision
  • Short & Long Term Disability
  • Accidental injury
  • Cancer
  • Critical Illness

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