Employee Benefits

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you. Our team of Benefits Specialists are here to help you develop a customized strategic benefits plan. We pride ourselves on the level of knowledge and service we bring you our clients. Our office utilizes technology to provide a value-added professional service to our clients. These services reduce costs, increase efficiencies, and imporve employee satisfaction.

Building a successful business is enough hard work, without the added headache of finding affordable, quality benefits. Employees are seeking more and more from their employers, all the while employers struggle to balance employee needs with their own ability

Whether you're just starting out or own a small business with multiple employees, you're going to need help finding and securing benefit plans.

Who needs a Group Health Plan?

Employee Benefits are comprised of different insurance plans that cover employees of a common group. Employee Benefit plans can help reduce the overall premium costs and provide enhanced benefits, not typically available to individuals. Comprehensive benefit plans can be a powerful incentive to keep and attract great employees.

Health insurance helps protect your finances in the following ways:

  • Discounted rates for medical care. Insurance companies negotiate rates with health care providers. Without that feature, even the cost of a regular checkup or office visit can be twice as high
  • Spares you unexpected medical costs. Bankruptcy, due to hospitalization over an unforeseen injury, happens more often than you’d think
  • Protects your ability to work. If you don’t have your health, it isn’t possible to work
  • Improves access to quality care. With a group health insurance plan, you gain access to a broader network of health care providers than you would have, otherwise
  • Encourages a healthier lifestyle with regular checkups and preventive care that won’t cost you too much and are likely included in your policy.
  • Shields your business from personal medical costs. Unexpected personal medical expenses can impact your personal liability for medical costs. Health insurance can help you keep your business protected
  • Hire and retain great workers. Employer-sponsored group health insurance coverage is a valuable inducement to top talent, as well as an important consideration in complete compensation packages

Major types of employee benefit plans

Group Health Insurance. Group health insurance is a policy that is purchased by an employer and is offered to eligible employees of the business (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees.

Group Dental / Vision Insurance. When organizations want to offer the best dental and vision care benefits to attract and retain the best employees they need to work with our group dental and vision experts. We have access to the benefit plans that will keep your group members, employees, and their families healthy. 

Group Life Insurance. Group life insurance is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance. Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

Group Accident/Supplemental. Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover in the event of an accident or other covered loss.

Employee Benefits Team

Robert Mulcare

Robert Mulcare, REBC, FPQP

Benefits Manager - Medicare, Marketplace, Group Benefits

541.882.5555

541.882.5556

Amber Johnson

Amber Johnson

Licensed Insurance Agent - Medicare, Marketplace, Group Benefits

541.882.5555

541.882.5556

James Hurst

James Hurst

Vice President of ‚ÄčLife, Health, & Investments

541.882.5555

541.882.5556