Ralph Weiner and Associates works with employers to develop comprehensive employee benefit programs. We understand that businesses must attract and retain top employees. Successful business owners know the importance of employee benefits and we work with businesses to develop employee benefits programs tailored to the needs and budget of the business and their employees.
Offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees, yet it must be cost-efficient for your business.
Ralph Weiner and Associates are experienced in a wide array of health insurance funding options including fully insured, partial self-funding and stop-loss coverage, as well as alternative funding strategies utilizing health insurance captives.
With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
Group 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.
A group vision insurance plan is especially attractive for employers because it is inexpensive to offer, yet it’s another employee's favorite. This is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses.
Group life 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 life insurance plan. Optional coverages include voluntary life insurance, supplemental life coverage, accidental death and dismemberment policies, and dependent life insurance.
In 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) insurance is designed to help cover the employee’s expenses while their regular income is interrupted.
A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short term disability (STD) insurance is designed to replace a portion of the wages lost when a short-term disability occurs.
Flexible spending accounts, or FSAs, will allow employers and employees to expand the tax-saving benefits of a premium only plan. Flexible spending accounts allow your employees to set aside a portion of their paychecks for health care and dependent daycare expenses before taxes are calculated. The more they take advantage of this benefit, the less you’ll pay for payroll taxes, including Social Security and Medicare.
A health savings account (HSA) helps you save money on health care by making you a part of the medical services decision process. Health savings accounts are designed to help you manage medical expenses and reduce the continuing raising of health care expenses. The money you save remains part of your retirement account, even if you leave your present employer. You can also save the money in your account and grow your account through investment earnings. Funds in the account can grow tax-free through investment earnings, just like an IRA.