Group 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, Rose & Kiernan 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.
The strong link between oral health and overall medical health is leading to more and more integration between the fields of medicine and dentistry. As a result, dental benefits are becoming a more significant component of total wellness programs. We understand that dental coverage is an essential, at times differentiating, employee benefit. For most employers, dental plans are still a relatively low-cost, high-valued benefit that can help them attract and retain quality employees, decrease missed work hours, provide diagnostic opportunities and reduce overall health risks.
Our team of worksite benefit specialists will work with you to design a dental program that adds tremendous value to employees without adding substantial costs to the employer. We offer a variety of Group Dental insurance products, from all of the leading dental carriers, which include features that will help you minimize your dental coverage costs and maximize employee satisfaction.
These plans provide high employee satisfaction and protection. Group Term Life Insurance, along with Accidental Death & Dismemberment (AD&D) insurance, are one of the most common benefits offered by employers. These plans provide minimal employer cost with high employee satisfaction and protection.
Group term life insurance provides protection for a defined period of time and pays a death benefit in the event of the policyholder’s death during that time. AD&D benefits serve to bridge the financial gap created in the event of an income provider’s accidental death, loss of eyesight or dismemberment.
Our team of worksite benefit specialists will work with you to design a Group Life/AD&D program that adds tremendous value to employees without adding significant costs to the employer.
Short and long-term disabilities occurring during one’s working years are two to three times greater than the risk of death, yet many workers do not have short and long term coverage. Group Disability Insurance provides income protection for employees, as well as cost-saving management strategies for employers. Lost time on-the-job, due to a disability, can significantly impact workplace productivity and profitability. Rose & Kiernan can tailor a combination of group short and long term disability benefits which will meets your needs, provides the best benefit value, and foster a healthy work environment.
Vision care programs are extremely popular with employees, inexpensive to offer, easy to administer, and provide employees with important preventative care that may save significant medical claim dollars in the future. A good vision plan can save you up to 60 percent off the cost of vision care and corrective eyewear. Rose & Kiernan can help you enhance your benefits package with a vision product that meets your needs at little cost.
Comprehensive benefits can provide an advantage in keeping good people. Attracting and retaining quality employees is important to all employers. Studies have shown that the cost of losing and replacing one employee can be as much as 150% of the lost employee’s annual salary. Many companies find that offering an attractive, comprehensive benefit package can provide an advantage in finding and keeping good people.
By implementing voluntary (employee-paid) benefit programs, you will help both your recruitment and retention efforts. The EBMG of R&K is a leader in the voluntary benefits field, and we are happy to share information with you about this increasingly popular and effective benefits strategy. We represent all of the major carriers.
Travel insurance offers a broad range of benefits and services for employees that travel domestically and overseas on business. Would you know what to do if an employee got sick or injured while overseas on business? An international travel insurance policy may be your answer. Rose & Kiernan can assist you with your traveling employees by designing travel insurance plans that meet your needs and budget or reviewing and auditing the design and funding of your existing program and making recommendations for improvement.