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Group Benefits Solutions

For the last twenty years, Complete Benefit Solutions has specialized in working with individuals and groups from 2 – 500 in customizing the benefits that best work from the needs of the client. Guiding you through to help you make the choices that best suit your insurance needs and the needs of your business.

Helping your family protect the things that are so valuable to it, there are some things just too important. Some of the services provided to help you ensure the health and well-being of yourself and your employees are:

Life Insurance

The purchase of life insurance is an important decision for both you and your family.  There are many reasons why life insurance is purchase, but these reasons should be based upon your needs or wants.  Your marital status, number of dependents, family size, income, and wealth all play a role in determining the amount of life insurance that is right for you.  The first step is to determine your current need for life insurance and how much you can afford to spend.  It is a good idea to consider future needs too, because unlike most purchases, you can't always buy life insurance when you need it; you have to be in reasonably good health to purchase most types of life insurance products.

It is important to review you life insurance program every few years to keep up with your changing financial and family circumstances and responsibilities.

Your need for life insurance will vary with your age and responsibilities.  The amount of insurance you buy should depend on the standard of living you wish to assure your dependents.  You should consider the amount of assets and sources of income available to your dependents when you pass away.  Social security benefits, available cash and other sources of income and investments may not provide the standard of living you have in mind.  Life insurance helps bridge the gap between the financial needs of your dependents and the amount available from other sources, is the amount to be provided by life insurance.

Health Insurance

Medical benefits are the most popular benefit you can offer a prospective employee, and employees rank health insurance as the most important benefit they receive from their employer.  Whether your organization insures several thousand people or just a few, Complete Benefit Solutions can provide you with plan options that fit with your goals and budget. We represent all the major health insurance companies and offer a variety of plans to include Traditional Indemnity, Health Maintenance Organization (HMO), Point of Service (POS), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Consumer Directed Health Savings Account (HSA) and Health Reimbursement Account (HRA). Whether you are Community Rated, Self-Funded or somewhere in-between, we have the expertise to make sure your plan design and funding mechanism is optimal for your needs.

Dental Insurance

Dental insurance helps pay for the cost of necessary dental care. Few medical expense plans include coverage for dental expenses. About 97% of dental benefits in the United States is provided through separate policies from carriers—both stand-alone and medical affiliates—that specialize in this coverage. Typically, these dental plans offer comprehensive preventive benefits. However, major dental expenses, such as crowns and root canals, are just partially covered. Also, most carriers offer a lower rate if you select a plan that utilizes their Network providers. Discount dental programs are also available. These do not constitute insurance, but provide participants with access to discounted fees for dental work.

Vision Care Insurance

Vision care insurance provides coverage for routine eye care and is typically written to complement other medical benefits. Vision benefits are designed to encourage routine eye examinations and ensure that appropriate treatment is provided

Disablity Income

Disability income (DI) insurance pays benefits to individuals who lose their ability to work due to injury or illness. DI insurance replaces income lost while the policyholder is unable to work during a period of disability (in contrast to medical expense insurance, which pays for the cost of medical care).] For most working age adults, the risk of disability is greater than the risk of premature death, and the resulting reduction in lifetime earnings can be significant. Private disability insurance is sold on both a group and an individual basis. Policies may be designed to cover long-term disabilities (LTD coverage) or short-term disabilities (STD coverage). Business owners can also purchase disability overhead insurance to cover the overhead expenses of their business while they are unable to work.

A basic level of disability income protection is provided through the Social Security Disability Insurance (SSDI) program for qualified workers who are totally and permanently disabled (the worker is incapable of engaging in any "substantial gainful work" and the disability is expected to last at least 12 months or result in death).

Specified Disease

Specified disease provides benefits for one or more specifically identified conditions. Benefits can be used to fill gaps in a primary medical plan, such as co-payments and deductibles, or to assist with additional expenses such as transportation and child care costs.

Long Term Care

Long-term care (LTC) insurance reimburses the policyholder for the cost of long-term or custodial care services designed to minimize or compensate for the loss of functioning due to age, disability or chronic illness. - cite_note-114 LTC has many surface similarities to long-term disability insurance. There are at least two fundamental differences, however. LTC policies cover the cost of certain types of chronic care, while long-term-disability policies replace income lost while the policyholder is unable to work. For LTC, the event triggering benefits is the need for chronic care, while the triggering event for disability insurance is the inability to work. 

Private LTC insurance is growing in popularity in the US. Premiums have remained relatively stable in recent years. However, the coverage is quite expensive, especially when consumers wait until retirement age to purchase it. The average age of new purchasers was 61 in 2005, and has been dropping.

Accidental Death and Dismemberment Insurance

AD&D insurance is offered by group insurers and provides benefits in the event of accidental death. It also provides benefits for certain specified types of bodily injuries (e.g., loss of a limb or loss of sight) when they are the direct result of an accident.

Medicare Supplement Coverage

Medicare Supplement policies are designed to cover expenses not covered (or only partially covered) by the "original Medicare" (Parts A & B) fee-for-service benefits. They are only available to individuals enrolled in Medicare Parts A & B. Medigap plans may be purchased on a guaranteed issue basis (no health questions asked) during a six-month open enrollment period when an individual first becomes eligible for Medicare. The benefits offered by Medigap plans are standardized.

Appointed with all the leading carriers in the industry and licenses to do business in New York, New Jersey and Connecticut.