Question 1

Do you offer Health Insurance?

Accepted Answer

Yes, we are proud to offer Health Insurance to Massachuetts & Maine companies of 1-50 employees AND individuals.

Question 2

Can you work with businesses of any employee size?

Accepted Answer

Yes. We can work with companies from one employee and anything larger providing both Health Insurance for your Massachusetts business or you as an individual. Supplemental Benefits including Disability, Dental, Accident Protection, Cancer Protection and more are also available for business entities from 1 employee and larger in all states in which we are licensed. Licensed in MA, NH, ME, VT, NC, SC & VA

Question 3

Are the benefits available to both W2 and 1099 employees?

Accepted Answer

Yes. benefits are available to both. Short Term Disability requires the employee work a minimum of 19 hours per week.

Question 4

What are the pre-existing condition requirements for the Cancer Protection product?

Accepted Answer

Applicants must be cancer and cancer treatment free for the 5 years preceding enrollment.

Question 5

Can Short Term Disability cover maternity leave?

Accepted Answer

Yes. Maternity coverage is covered by Short Term Disability. Importantly, the policy must be in effect for 10 months prior to it covering disability.

Question 6

Can Short Term Disability cover off the job injury?

Accepted Answer

Yes. Short Term Disability helps keep your paycheck going after an off the job injury.

Question 7

Can Short Term Disability coordinate with Paid Family Medical Leave in MA?

Accepted Answer

Existing policyholders, enrolled preceding January 1, 2021, will be able to make claims with both their Supplemental Disability as well as PFML. Enrollees after January 1, 2021 can enroll in Supplemental Disability that can wrap-around PFML but they won't be able to claim on both simultaneously.

Question 8

Can I offer supplemental employee benefits at no cost to my business?

Accepted Answer

Yes. We can help you offer benefits to your employees at no cost to your business. Premiums are paid by affordable payroll deductions from participating employee paychecks.

Question 9

As a business owner, can I fund supplemental benefits for my employees?"

Accepted Answer

Yes. You can fund any of the benefits with a flat dollar or percentage amount, in any way that makes sense for you. Many employers have recently elected to fund benefits to help retain and recruit employees.   Should you decide to offer a defined contribution towards one or more of the benefits, you can configure the dollar or percentage amount as you wish. Also, any Employer funded benefits are tax deductible for the business.

Question 10

Can benefits help me retain & recruit employees?

Accepted Answer

Yes. These days job seekers are evaluating job opportunitiies as much on available benefits as they are on salary. We can help you set-up a benefits package, at no cost to you, that helps retain & recruit.

Question 11

Are any of your benefits available direct to individuals?

Accepted Answer

Yes. From our supplemental providers we can offer Accident Protection, Cancer Protection, Critical Illness Protection, Dental, Term Life Insurance, Whole Life Insurance & Juvenile Life Insurance.   We also offer a whole array of Life Insurance, Annuity, Long Term Disability & Long Term Care products from multiple providers. Life Insurance products include Term, Whole &  Permanent with features including Long Term Care riders and more.   If you are a Solopreneur, we can help you as well with Disability and other products.

Question 12

What the heck is a HMA plan?

Accepted Answer

We are glad you asked. A HMA is similar to a HSA in that it is an account into which you contribute dollars that you can use for medical expenses. The difference, and MAGIC, of the HMA is that your contributions get matched as much as 2X so that your spending power is supersized. Available to individuals as well as in payroll groups, enrollment in the HMA is very simple after which you are sent a pre-paid VISA that you can swipe for: - Prescription Drugs - Elective Surgeries - Dentists - Chiropractors  - Opticians - And much, much more   Schedule a Free Consultation to learn more.

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FAQs

Please review our FAQs below. If you don't see your question, please contact us or schedule a fee consultation. We would love to speak with you about your Health Insurance, Supplemental Benefits, Life Insurance or other needs