WORKPLACE BENEFITS
Workplace Benefits
Group Plans- Long-term and Short-term Disability, Life, Long-Term Care, Dental, Vision, etc. We work with dozens of carriers to fit your company's needs.
Voluntary Benefits- Give your employees a choice. All the same programs listed above, but designed so that employees pay a portion, or all of, the premium cost. Offer your staff group-discounted rates, favorable underwriting, and wonderful coverage without incurring the extra cost.
Supplemental- Each employee's needs are different. Give them the option of covering their specific areas of concern. Choose from every major carrier for programs like Cancer, Critical Illness, Accidental, and Hospital Indemnity coverage.
Health- They keystone of any benefits package. We work with the major vendors to build the core health benefits for you.
Legal / ID Protection- Allow your employees to cover legal costs & costly ID theft.
Pre-Tax Savings- HSAs, FSAs, Section 125: we have the experience & knowledge to maximize your savings.
The solution your company has been looking for.
Above and beyond basic health insurance. VBG focuses not just on the core health plan, but rather the entire benefits package. We have 10+ years experience specializing in voluntary & supplemental business lines. We can build the benefits package that works best for your company. As an independent brokerage, we can shop around all the carriers to find you the best possible rates. As a small agency, your business is important to us. We'll work hard to earn your business and to keep your business.
We take a customized approach with each client to build the benefits package that fits your needs best. If we add just a piece, or if we build the whole package, we provide the products and services that your employees deserve. We handle the entire enrollment process from education to application. We offer assistance with billing issues, administrative issues, and we handle your employees' claims. We'll educate & enroll your new employees, and we'll handle the open enrollment each year for your staff. Learn what it's like to have a truly full-service broke
Supplemental Coverage
When your employees' families go through an illness or accident, they have more to worry about than just hospital bills. Will they be losing a paycheck? Will their spouse? Will both of them? Is their doctor or hospital out of network? Will they be traveling or need a hotel? A tutor or a sitter for their kids? How much will parking cost? Will they have to pick up take-out for dinner... again and again?
Your employees will have expenses well beyond their hospital bills. Shouldn't their benefit package provide coverage for those same expenses? A supplemental package could be the solution you need. These programs can be offered at little to no cost to the employer, and can even increase bottom-line profits through tax savings. Your employees enjoy access to coverage that can't be purchased on an individual basis, as well as group-rated prices.
Group Products
Group ancillary benefits can be a great fit for companies that want to offer more than just health insurance. Be it short-term or long-term disability, permanent or temporary life insurance, dental, vision, or long-term care, these programs can be the differences between a "good" benefits package and a "great" benefits package.
You choose the level of financial involvement you want your company to have. These programs can be employer-funded, employee-funded, or both. Employees get the benefit of guaranteed-issue protection at great rates. Employers can benefit with increased tax-deductions, increased bottom-line profit, and a richer benefits package.
When a prospective employee asks "Do you offer..." in an interview, now you'll be able to say "Yes we do!"
Health Insurance
The key component to any benefits package. Core health insurance is designed to protect your employees from the extraordinary costs of health care. We'll work with you to determine the best plan design for your company, and then we do the leg work to find your company the best rates. We'll also educate and enroll your employees, making sure they know exactly what their benefit plan covers. Let us show you how easy shopping for health insurance can be. We work with major vendors to provide group health insurance in most states.
Effective October 1, 2013, Vinez Benefits Group is partnered with both the Federal Health Insurance Marketplace as well as MNsure (Minnesota State Exchange). If you would like to work through us on the exchanges, you'll need to list us as your broker (MN Exchange), or reference National Producer Number 7079375 (Federal Exchange).
Pre-Tax Services
From HSA accounts to Section 125 plans, we've got the experience and the tools to offer the best tax-protection programs for your company and your staff. Whether you're looking for an all new benefits plan or just hoping to start pre-tax deductions for an existing plan, we have the solution for you. Start maximizing your tax savings opportunities today.