Employee Benefits
Lifetime Employee Benefits specialize in affordable, competitive, complex, and creative solutions for employee benefit insurance for the small to medium sized under-served & under advised market segment. Our proprietary ideologies and procedures offer our clients unique solutions for all your employee insurance needs.
Why Offer Employee Benefits?
There are many reasons why employee benefits are a worthy investment for business owners and employers. The most successful business owners are able to adapt to changes within their industry and beyond, while bringing their most valuable employees with them as they grow. That’s also why the smartest employers offer benefits worthy of their top talent. Even if you are a smaller business, offerings like group health insurance are worthwhile benefits to explore.
Reasons to Invest in Employee Benefits
They Are Your Most Important Asset.
Offering your employees strong benefits is one of the best ways to protect them and show them how much you are invested in their well-being. Especially if you are growing your business, quality benefits can help you retain your best employees, while attracting top talent as you grow.
Employee Satisfaction
A big part of your success depends on building loyalty with your people, and making sure your best employees are happy. Offering important benefits, like medical, dental, and vision coverage, goes a long way!
Tax Advantages
There are possible tax advantages to consider, as well. You may be able to deduct qualifying group benefit plan premiums as a business expense. Furthermore, employees may receive greater value from access to benefits than if you merely increased their pay by the same amount.
Affordable Coverage for the Business Owner
You may also save some money on your own benefits as the employer. In most cases, individual insurance plans are often more expensive or may not be available at all. Providing coverage to your employees may put valuable benefits in reach for you and your family as the business owner.
Meet Our Employee Benefits Specialist
Jon Brooks
Director of Employee Benefits
Jon has been in the Employee Benefits industry for 11 years and holds multiple state licensing for Life, Accident, Health and HMO, with an additional licensing in Property and Casualty. Jon earned his REBC (Registered Employee Benefits Consultant) Designation with NAHU (National Association of Health Underwriters). He is experienced in Group Benefits, Production, Consulting, Account Management, and Compliance.
Meet Our Employee Benefits Advisor
Elizabeth Garcia
Benefits Advisor
Elizabeth is a licensed insurance consultant. With 12 years’ experience in relationships Elizabeth handles our clients with emotional intelligence and the utmost respect. The dedication she puts into her work makes her an asset to all clients. When Elizabeth is not working, she enjoys spending time outdoors, playing with her dog, and most importantly being a mother.
How We’re Different
At Lifetime, we know that you and your employees are just as unique as your business. We help you offer a strong benefits program that will be able to grow as your company grows.
Relationship - based account management and hands-on support of your company's in-house HR
Strategic partnerships with benefits administration, telemedicine, and various technology vendors
On-site education and claims solutions for employees
Trusted benefits consulting and negotiating on behalf of our client
Consistent bottom-line savings for our clients
Year-round market segment benchmarking for greater savings
What We Offer
Sales
Medical Benefits
Alternative Funding Strategies
Defined Contribution Strategies
Life and Disability
Executive Benefits
Dental and Vision
HRA & HSA Accounts
Wellness Programs
International Benefits
Voluntary Worksite Benefits
Support
Benefit Plan Performance Reviews
Budget Forecasting
Contract Negotiation
Claims Analytics
Contribution Modeling
Benchmarking
Underwriting Support
Cost Management
Enrollment Capabilities
Service
Comprehensive Account Management
Compliance Management (Cafeteria, POP, FSA, Dependent Care, Section 125)
Affordable Care Act Guidance
Benefits Administration
Employee Communication Strategies
Technology Initiatives (Tele-Med, Online Physicians Consultations)
Employer Education
Our National Carriers
A lot goes into building an Employee Benefits plan, and it can be easy to overlook some key factors when selecting the right one. As you search for the right insurance consultant who can help you manage your program and maintain compliance, consider some of these FAQ’s.
Employee Benefits F.A.Q.
Is there a way to mitigate company cost without sacrificing benefits offered?
Absolutely; proactive planning and benefits discussions will allow your consultant team to put your company’s benefits offering in a better position.
Am I paying for services my employees aren’t utilizing or benefiting from?
More often than not, you are given a suite of services that is not customized to your employee demographic.
Should my benefits offering only be audited and bench-marked during renewal?
Our practices revolve around utilizing multiple meetings throughout the year to continue to plan as the needs of your company grow.
How can I inform my employees on the best way to maximize the benefits they enroll in?
By utilizing your dedicated account management team to have scheduled informational touch points as desired, employees will engage and associate value with the benefits offered.
Is there a better way to make the tools available to my employees easier to use?
By partnering with a consultant team that helps develop a road map for employees of all demographics, you help employees understand the value and accessibility of these items.
How can I incorporate more technology into the benefits platform I present to my team?
You can incorporate more technology by partnering with a consultant that understands all of the technological tools available, and which ones fit your company’s and employees’ specific needs.
How do I know if I’m compliant with all of the rules and regulations associated with my employee benefits offerings?
In order to stay compliant, choose an account management team that will provide you with all of the up-to-date information specific to your group size.
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LIFETIME WEALTH MANAGEMENT, P.C. IS A SEC REGISTERED INVESTMENT ADVISORY FIRM (RIA)
LIFETIME WEALTH MANAGEMENT, P.C., LIFETIME TAX ADVISORS INC. AND LIFETIME INSURANCE SERVICES, INC. ARE LEGAL SEPARATE ENTITIES.