Compensation and benefits are on the minds of all employees — including your top executives. Key employees and business owners require unique benefit programs that combine health, life, disability, key person and long-term care insurance as well as succession planning, and asset and wealth protection.
Our team helps your craft an executive benefit strategy that takes into account, total compensation, succession planning, risk mitigation and wealth preservation. Key person insurance, buy/sell planning, individual disability carve-out plans, and other programs are all considered to enhance the value of total compensation for the executive and protect your business in the event of the retirement, death, or disability of a key executive.
We work with individuals and companies to develop non-traditional solutions to deferred compensation for retirement planning and long-term investments. We offer custom solutions that allow your key employees to save and invest in their futures, while remaining fully compliant with state and federal regulations. It is an additional benefit that can help you better compete for and retain top talent.
You and your key employees will be surrounded by a dedicated team to help provide personalized risk and financial management.
One of the most expensive costs for nearly any business is that of workers’ compensation insurance. Your hiring process can be an important first step toward preventing work comp claims. Here are some hiring practices that can help stop work comp claims before they even walk through your door.
We have added a Q&A to the end of the list about handling the employee portion of benefits that are continued as active through a furlough. As employers begin to lay off or place employees on furlough, they should consider the many issues that such actions can create. This Q&A includes answers to the most urgent questions we are receiving from employers. The information in this article is likely to change on a regular basis as the COVID-19 crisis continues to evolve, laws and regulations change, and we receive additional information from carriers and third-party administrators (TPAs). Please check back regularly for updates to our answers or guidance.
The average adult has a 3 in 10 chance of suffering a disability that keeps them out of work for 90 days or longer at some point during their working career, according to The Council for Disability Awareness. Ninety percent of disabilities are caused by illnesses, not accidents, and are a top cause of bankruptcies in the U.S. Most of us have personal debt, such as a mortgage, auto loans or credit card bills.
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