In addition to competitive salaries, employers need to provide a competitive benefits package to attract and retain quality employees. At the heart of these core benefits are typically health and dental programs that are often second only to payroll as business expenses. In order to provide the most cost effective program, employers need the proper advice, communication and insurance brokerage services in order to control costs and offer high quality solutions. We offer the typical programs as well as some value added services.

Standard Benefits

Group Health Insurance
Dental Insurance
Short & Long Term Disability Insurance
Basic & Supplemental Life Insurance
Long-Term Care Insurance

Additional Benefits

Employee Assistance Programs
Section 125 Plans/ Flexible Benefits Administration
Health Savings Accounts & Health Reimbursement Arrangements
COBRA/ HIPPA Outsourcing Administration
Employee Benefit Statements
Online Communication Programs
Compliance Review

Group Health Insurance
Health insurance is a key benefit employees look for in finding a job and often the second biggest cost to an employer, second only to payroll. With the average costs going up at about 10-15% per year, many employers have had to reduce benefits in order to control costs.

At Stonebridge Benefits, we provide medical insurance to small and mid sized companies as well as sole proprietors. Because every group is different, we take the time to find the right plan for your company. We take into consideration all the levels of managed care including HMO, Point of Service, PPO, EPO, and Indemnity plans, the many different funding options such as self-funded or fully insured as well as new innovations like H.S.A.’s and H.R.A.’s to provide the most suitable recommendations.

Dental Insurance
Dental insurance is another part of a basic benefits plan and is a must for any firm looking to attract and retain key employees. Dental insurance provides coverage for routine cleanings and maintenance as well as for minor and major procedures such as root canals and braces. Often times, the tax deductibility of dental insurance makes it attractive for employers to offer.*

We offer plans from many different providers on an HMO or PPO network as well as indemnity basis. We offer top of the line plans with generous caps as well as basic plans for start up companies.

* Dental insurance premiums paid for by an employer and employee contributions are often tax deductible when use properly in conjunction with a section 125 plan, section 105 plan or Health Savings Account. Please contact your tax professional to discuss your own situation.

Disability Insurance
Disability insurance is an important component to a benefits package as it protects the income of employees that become injured or sick and can no longer work. While most employers are required to have workman's compensation, the coverage is often limited to on the job accidents. Disability insurance provides monthly benefits to replace a portion of your pre-disability income. Although many people in low risk jobs such as office workers do not believe they will be injured, fact is that almost 80% of all claims are paid due to sickness, not injury.

At Stonebridge Benefits we review all in force policies on both the group and individual side to make sure our clients understand their benefits and that they are the lowest costs. We take into consideration all the important factors to come up with the most suitable recommendations. We customize plans from many of the top insurance carriers to fit the needs of the core employees and executives.

life Insurance
Life insurance is just one part of a comprehensive set of solutions – but one that is often overlooked. Group life insurance is often an inexpensive benefit that can be offered to all employees or in an "executive carve out". There are many different types of plans that can be used and careful consideration should be placed on the objectives of the plan when determining the type to use.

Because group or term insurance is relatively inexpensive, it can be a good choice if you can't afford the permanent life insurance protection you wish to have. Group and Term insurance provides the protection you need now, at a cost that you and your employees can afford.

Permanent life insurance is an alternative that provides death benefit protection for life and can often be used to help retain key employees. Permanent life insurance may have fixed premiums, generally accumulates cash value on a tax-deferred basis and may pay policy dividends. Although more expensive initially than term life insurance, permanent life insurance may, over time, become the least expensive form of life insurance.

Stonebridge Benefits offers life insurance set up, and plan administration from many carriers in both the group and individual markets.

Long-Term Care
There's a good chance that you or your employees will need to pay for a nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives. Recent changes in federal law have made it less likely that Medicare will pay for long-term care, or the continuum of broad-ranged maintenance and health services to the chronically ill or disabled. Because of this, the popularity of long-term care insurance has grown.

Stonebridge Benefits offers group long term care plans that are becoming a standard offering amoung many of the top us companies. We offer conscientious, experienced guidance on choosing long-term care plans that are right for your company and employees.

For more information about core benefits for your company, please contact us.