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Home > Commercial-Products > Coverage-For-Your-Employees > Group Benefits - Gallipolis OH & Jackson OH

Group Benefits in Gallipolis and Jackson, OH

As a business, you have the option of providing benefits to your employees. Your benefits package can help persuade an employee to work for you as well as continue to work for you. The benefits you provide for your employees is unique to your business and the needs of your employees. To discuss what’s best for your business and needs, contact your Saunders Insurance Agency agent to get started.  

What Group Benefit Options Are Required? 

Under the Affordable Care Act (ACA), most employers are required to offer health insurance to their employees. But many businesses offer additional benefits to employees.  

At Saunders Insurance Agency, we can talk to you about numerous group benefit options, including:  

 

  • Group health insurance.  This allows employers and employees to share premium costs, which significantly reduces an employee’s personal expense for their essential health insurance benefits.

  • Dental insurance. This provides coverage for most preventive care and discounts on other services.

  • Vision insurance. This helps individuals maintain healthier eyesight and catch developing problems before they can get worse by helping cover routine care.

  • Group life insurance. A group life insurance plan is a term plan that allows participating employees to enroll in guaranteed-issue coverage. Applicants won’t be denied enrollment just because they have a pre-existing condition that might make it hard to qualify otherwise.

  • Business life insurance. Key person and buy-sell funding policies enable business partners and other company principals to insure themselves so that the business will receive their death benefit and therefore withstand the further ramifications of their loss.

  • Short/long-term disability insurance. This can help provide employees with income support following a disability that forces them off the job. It is different from workers’ compensation insurance because it will apply even when someone gets injured in a non-work-related accident.

  • Long-term care insurance. This can help supplement costs beyond what standard health insurance will pay if someone needs care in a nursing home, home health aide, adult daycare services or other assistance related to disability or aging.

  • Hospital indemnity plans. This can help employees cover costs that remain even after their standard health insurance pays for a loss (i.e. deductibles, coinsurance, copayments or ambulance fees).


The benefits package you offer will determine your costs as well as the fees your employees will pay each pay period for their portion of the benefits. To determine what is right for you, contact your agent.  

Why Are Employee Benefits Important?  

The right employee benefits package shows them that you are invested in their overall health and future. When employees feel supported by their employer through a robust benefits package, they’re more likely to be engaged employees that stay with their current employer. In a tight labor market, attracting and retaining top talent is a challenge, but a solid benefits package can help.  

Contact Us Today 

To get started with coverage, contact your Saunders Insurance Agency agent today. We’re ready to assist your business with the employee benefits package that best suits your needs. 

 

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Location 437 2nd Ave
Gallipolis, OH 45631
PO Box 523

P: 740-446-0404
F: 740-446-4719
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