Group Benefits Products

The products and services that we place and support are the "what" of our business, not the "how" or the "why". That said, they are essential to offering a robust employee benefits package that meets the needs of employers, their employees and their families. As an independent broker, we are licensed to sell all types of health and welfare products with virtually any insurance carrier or Third Party Administrator and support them through proactive, strategic consultation.* These products include:

Group Plans

  • Medical
  • Stop-Loss (Specific, Aggregate, Aggregating Specific)
  • Dental
  • Vision
  • Life
  • AD&D
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Health Savings Accounts
  • Health Reimbursement Arrangement
  • Employee Assistance Program
  • Section 125 Premium Conversion
  • Section 125 Health & Dependent Care Flexible Spending Accounts
  • Section 132 Pre-Tax Commuter Benefits

Specialty Risk Plans

  • Supplemental Life
  • Supplemental AD&D
  • Individual Disability
  • Carve-Out Long Term Care
  • Voluntary Worksite Plans (Cancer, Critical Illness, Accident, etc.)
  • Business Travel Accident

International Benefits

  • Ex-Pat, In-Pat, Third-Country Nationals, Local National plans
  • Pooling arrangements

Funding Methods

  • Community / Manually Rated (Generally Small Groups)
  • Fully-Insured
  • Pooling Arrangements / Associations
  • Self-Insured
  • Minimum Premium
  • Partially Self-Insured
  • Retrospective Refund
  • Direct Contracting
  • Carve-Outs
  • Domestic Tourism

* This is not an exhaustive list, but covers the primary types of benefits programs our clients implement and manage. We also have a suite of Executive Benefits and Business Continuity products offered through our Executive Benefits practice and Retirement Plan products through Longfellow Advisors.