Do your new employees ask about your benefits plan options? Do you want to expand your offering, but don't want the extra hassle of administration.

Here are some tips on how any small business can offer as many benefits as large corporations without the high costs and admin headaches...
1. Core Benefits - Decide on a couple of core benefits that the company can contribute toward. Usually it is Medical and Dental. Usually the starting amount is $100/employee per month.
2. Voluntary Benefits - You can offer all other benefits on a voluntary basis, which allows the employee to get a group plan and discounted rate, and the company does not have to contribute toward the plan.
3. Range Of Options - After selecting your Core Benefits, you can offer: Dental, Vision, Short and Long Term Disability, Group Term Life Insurance, Accident Insurance, Hospital Reimbursement plans, Critical Illness, 401k, and more. You will be surprised how many employees take advantage of these benefits when made available to them.
4. Administration - Your Benefits Broker can set up a Benefits Admin System that explain the benefits, show the employees their costs for selecting them, calculates payroll deductions and generates reports. Some Benefits Admin Plans have a fee, and some will connect back to payroll and communicate the payroll deductions. You can even use it to help with your hiring process.
5. Additional Benefits - By setting up an expanded benefits plan, the Business and the employees gets some additional benefits that are sometimes overlooked. First, the Company and Employee will pay less in payroll taxes, as many of the premiums are deducted on a pre-tax basis. Next, Employees benefit by getting better benefits and group rates that are not always available on an individual basis.
6. Competitive - Now, all businesses can have a competitive benefits plan with any large corporation. Ask your Benefits Insurance Broker for more information.

Have Questions? Contact Us: Call/Text: 714-900-2363
or Click Here to set up a Conference Call

California is Responding to COVID-19 Pandemic by Announcing a Special Enrollment to Help People Get Insurance

Good News! Covered California announced today that effective Feb. 1, anyone uninsured and eligible to enroll in health care coverage through Covered California can sign up through May 15.

Selecting a plan can be difficult, here are some things to consider:

Benefit Level:
There are 4 benefits levels to choose from. Bronze, Silver, Gold, Platinum.  Bronze is the lowest cost level; however, it has a high deductible from $5,000 - $7800/year.  As you go up to Silver, Gold and Platinum, the deductibles and cost of care go down, but the monthly premium goes up. Consider what you expect to accomplish with your health plan this year, then choose the appropriate level for your needs. Planning a procedure or surgery? Choose a Gold or Platinum plan so that your hospital costs are lower. Not expecting any doctor visits this year? A Bronze or Silver plan will provide a safety net, without costing as much every month.

Type of Plan: HMO, PPO or EPO
The most important factor in choosing the type of plan is what providers you want to use. If you have multiple specialists in different locations, a PPO may be best for you. However, if you only see your primary doctor or you have multiple doctors in the same medical group, then an HMO will be fine. Sometimes an EPO can work like a PPO where you have doctors in various groups, and EPO may have coverage across medical groups and it would be ok to choose an EPO plan that covers them all.

Get Help:
Of course, it is important to do your homework before choosing a plan for the year. You can get assistance from your HR Department, Health Insurance Brokers, or Covered California to choose the best plan for you that includes your medical providers and the lowest premium for the services that you need.

Feel free to contact us for more info, call/text: 714-900-2363

Click here for the full article from Covered California

Employment Practices Liability Insurance (EPLI)

Did you know 1/3 of employee claims are against small businesses? That's because most small businesses lack a legal department or employee handbook detailing policies and procedures that guide hiring, disciplining, or terminating employees, making them more vulnerable to employment claims.

EPLI can provide financial protection from covered claims made by their employees alleging workplace-related wrongdoing. Most importantly, it will help cover expensive defense costs for covered claims.


Contact us to find out how to get started...
Call/Text: 714-900-2363
Ask for George

Providers Open with Enhanced Safety Protocols
Amid the COVID-19 pandemic, Dental and Vision providers are welcoming patients to their practices with enhanced sanitizing protocols and new ways of ensuring the comfort and well-being of patients.  Whatever plan you have, contact us for help selecting a good provider near your home or office.

Our providers include Delta Dental, Blue Shield, Blue Cross, Principal, VSP, Eyemed, MetlifeCoPower, ChioceBuilder and more.

Contact us for more information on finding a provider for you.

Health Insurance - Special Enrollment Period Extended!

Covered California announced this morning that it would be giving consumers more time to sign up for health care coverage during the COVID-19 pandemic by extending the current special enrollment deadline through July 31, 2020.
If you or someone you know does not have health insurance, Sign Up today!
Contact Us, we can help. Call/Text: 714-900-2363

What do employers do if one of their employees has Covid-19? Many times, people who have tested positive do not feel any symptoms but with careful screening, employers can stay one step ahead. Temperature screening services are needed on site for employers who want to keep their employees safe and healthy. Through a careful process development, screening with temperature checks and a short questionnaire for all who enter a workplace or worksite; employers can keep their employees safe by reducing the risk of having an employee, vendor, or visitor spread the virus to others. Get the healthcare workers, infrared touchless thermometers, and the Personal Protective Equipment (PPE) that are needed to keep employees safe.    

For More Information Contact:
Interim HealthCare in Anaheim
Direct Line: 714-714-7603
http://www.interimhealthcare.com/AnaheimCA

Go Back to Work Confidently with Paycheck Protection

Are you ready to get back to work at full capacity? Are your Employees worried about getting sick with COVID? What happens when someone gets sick? Will they lose their hours and their  paycheck until they are better?

Paycheck Protection is available to all Businesses with 5 to 100 employees. This is a group insurance plan that will replace a majority of a workers wages for up to 6 months if they get sick (Including COVID-19) or injured and they are not able to work. The paycheck protection plan is only $2 to $8/month and it can be bundled with common benefits like health, dental, vision and life insurance for added benefits and savings. This is not workers comp, it is an additional benefit that help pay rent, buy groceries and pays bills!

Ready to get employees to go confidently back to work? Contact me to get started.

Call or text: 714-900-2363
   or
Click Here to Schedule a Conference call