[av_section min_height=’custom’ min_height_px=’150′ padding=’small’ shadow=’no-border-styling’ bottom_border=’border-extra-arrow-down’ id=” color=’main_color’ custom_bg=’#86829c’ src=” attachment=” attachment_size=” attach=’scroll’ position=’top left’ repeat=’no-repeat’ video=” video_ratio=’16:9′ overlay_opacity=’0.5′ overlay_color=” overlay_pattern=” overlay_custom_pattern=” av_uid=’av-1g3dcc3′] [av_heading heading=’Employee Benefits’ tag=’h5′ link_apply=” link=’manually,http://’ link_target=” style=’blockquote modern-quote modern-centered’ size=’50’ subheading_active=” subheading_size=’20’ margin=” margin_sync=’true’ padding=’0′ color=’custom-color-heading’ custom_font=’#1e1646′ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-jrhnxfql’ admin_preview_bg=”] So many moving parts. We’ll make sense of it all. [/av_heading] [av_headline_rotator before_rotating=’Our Diverse Client Base’ after_rotating=’It Is Our Privilege’ multiline=’aviaTBmultiline’ interval=’3′ animation=” tag=’p’ size=’20’ align=’center’ custom_title=’#ffffff’ av_uid=’av-1ct95mr’] [av_rotator_item title=’Landscaping Services’ link=” linktarget=” custom_title=” av_uid=’av-1b0kmgz’] [av_rotator_item title=’Legal Services’ link=” linktarget=” custom_title=” av_uid=’av-198f61f’] [av_rotator_item title=’Trucking’ link=” linktarget=” custom_title=” av_uid=’av-178tktv’] [av_rotator_item title=’Psychological Counseling’ link=” linktarget=” custom_title=” av_uid=’av-16lw6bn’] [av_rotator_item title=’Demolition Services’ link=” linktarget=” custom_title=” av_uid=’av-1581z9v’] [av_rotator_item title=’Education’ link=” linktarget=” custom_title=” av_uid=’av-e0lir’] [av_rotator_item title=’Drug Rehabilitation Services’ link=” linktarget=” custom_title=” av_uid=’av-11ao68z’] [/av_headline_rotator] [/av_section] [av_one_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-zgcww3′] [av_heading heading=’Disability’ tag=’h3′ link_apply=” link=” link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading] [av_textblock size=” font_color=” color=” av_uid=’av-vpr8g3′] It is GH2 Benefits’ professional opinion that Employee Benefits starts with Disability insurance. • If employees cannot work, they cannot pay bills, rent, or mortgage. • Short-term disability pays a fixed percentage of income, up to a stated maximum per week. • Pregnancy leave for females is covered by Short-Term Disability, which makes this a “no-brainer” for the employer. [/av_textblock] [/av_one_third][av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-32t91v’] [av_heading heading=’Health Insurance’ tag=’h3′ link_apply=” link=” link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=”][/av_heading] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-vpr8g3′ admin_preview_bg=”] The group health insurance market will remain difficult, creativity is a must. • The individual market is so difficult, employees are coming to employers as the only practical path to obtain health insurance. This is creating pressure on employers, large and small. • Small group market (< 50 eligible) has flexible plan options, so that employees can choose a plan that fits their budget • Flexible plan options allow employers to determine and plan their cost commitment over time • Cost commitment can be either in a stated percentage or dollar amount on an annual basis • Flexibility allows employers to spend funds for benefits, to the benefit of the widest range of employees. [/av_textblock] [/av_one_third][av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-p6xnqr’] [av_heading heading=’Group Life’ tag=’h3′ link_apply=” link=” link_target=” style=” size=” subheading_active=” subheading_size=’15’ margin=” padding=’10’ color=” custom_font=” custom_class=” admin_preview_bg=” av-desktop-hide=” av-medium-hide=” av-small-hide=” av-mini-hide=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-229nxv’][/av_heading] [av_textblock size=” font_color=” color=” av_uid=’av-m4olxv’] Attracting and retaining employees is important in today’s labor market. The least expensive benefit is Group Life, where the employer pays. Benefits can be as low as $10,000 and can be over $50,000, with no medical questions. [/av_textblock] [/av_one_third] [av_one_third first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-l50qsz’] [av_heading heading=’Dental / Vision’ tag=’h3′ style=” size=” subheading_active=” subheading_size=’15’ padding=’10’ color=” custom_font=” av_uid=’av-jbya3n’][/av_heading] [av_textblock size=” font_color=” color=” av_uid=’av-gpcpsj’] Dental is very challenging • The cost is high • Networks are exceptionally fragmented • There is an insurance carrier and networks, they are not the same thing, creating confusion • The maximum benefit amount is capped • The premium difference between employer market and individual market is limited Vision insurance is less costly, making the challenges more affordable. [/av_textblock] [/av_one_third] [av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-g2461v’] [av_heading tag=’h3′ padding=’10’ heading=’Voluntary Life’ color=” style=” custom_font=” size=” subheading_active=” subheading_size=’15’ custom_class=” av_uid=’av-eu8irn’][/av_heading] [av_textblock size=” font_color=” color=” av_uid=’av-cpagjn’] If you company offers Group Life, then it can access Group Voluntary Life. • Much higher benefit amounts • Much lower premiums than the individual market • High benefit amounts with no medical questions (can be > $100,000) • Limited medical questions for greater benefit amounts [/av_textblock] [/av_one_third] [av_one_third min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-10zi1f’] [av_heading tag=’h3′ padding=’10’ heading=’Executive’ color=” style=” custom_font=” size=” subheading_active=” subheading_size=’15’ custom_class=” av_uid=’av-9oqpj7′][/av_heading] [av_textblock size=” font_color=” color=” av_uid=’av-7dlqmb’] Management may have additional or different requirements, and special considerations for retention and promotion. • Key Man • Continuation • Long-term Disability [/av_textblock] [/av_one_third] [av_hr class=’default’ height=’50’ shadow=’no-shadow’ position=’center’ custom_border=’av-border-thin’ custom_width=’50px’ custom_border_color=” custom_margin_top=’30px’ custom_margin_bottom=’30px’ icon_select=’yes’ custom_icon_color=” icon=’ue808′ font=’entypo-fontello’ av_uid=’av-6gowar’] [av_one_full first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’ av_uid=’av-4n8i1v’] [av_textblock size=” font_color=” color=” av-medium-font-size=” av-small-font-size=” av-mini-font-size=” av_uid=’av-2su0yb’ admin_preview_bg=”] [/av_textblock] [/av_one_full]