Employee Benefits Quote Forms
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Employee Benefits Information
Employee Benefits in Missouri
As a business owner, designing and managing an employee benefits program is an important undertaking. As companies continue to compete for top talent, it’s important to business owners to monitor, evaluate and offer benefits that meet employees’ evolving needs. That can help you stand out against the competition, while also supporting employees’ overall wellness.
Benefits programs vary greatly, so Lakenan is here to help you navigate today’s commercial insurance solutions. We’re committed to helping every business owner create a strong employee benefits portfolio without excessive costs. We’re still your partner after you’ve bought your coverage, so you can continue to rely on us to help you be in the know on the latest benefits trends, weigh available options and more.
Call us at 314-721-1500 or request a quote online for the benefits options of your choice.
Our Benefits Offerings
Under the Affordable Care Act (ACA) most employers are required to offer health insurance benefits to all of their employees. But, health insurance is just a starting point, so we can help you navigate the vast marketplace and available policies to provide the best value to your plan participants.
Policies to consider for your business include:
Group Health Insurance: A group health plan allows employers and employees to share premium costs, which significantly reduces an employee’s personal expense for their essential health insurance benefits.
Dental Insurance: Standard health insurance often does not include dental insurance, but stand-alone benefits offer you coverage for everything from routine cleanings to more complicated oral surgeries and orthodontics.
Vision Insurance: Having regular vision exams helps individuals maintain healthier eyesight and catch developing problems before they can get worse.
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.Therefore, they will withstand the further ramifications of their loss.
Short-term and Long-term Disability Insurance: A disability insurance policy can provide income support following a disability that forces the employee off the job and causes termination in their standard paycheck. 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: If someone needs care in a nursing home, home health aid, adult daycare services or other assistance related to disability or aging, then this coverage can help supplement these costs beyond what standard health insurance will pay.
Hospital Indemnity Plans: A hospital indemnity plan can help you cover costs that remain even after your standard health insurance pays for a loss (I.e. deductibles, coinsurance, copayments, ambulance fees).
Additionally, you can include voluntary benefits programs, wellness programs, 401(k) matches and flexible spending accounts (FSAs) into your commercial insurance package. All benefits are competitively priced and customizable to the individual employer.
How We Can Help You
In a post-pandemic workplace, we understand how crucial it is for your benefits packages to remain affordable and integrated within your full risk management and employment strategy. You can count on Lakenan to be a long-term partner that is committed to helping every company maintain their benefits packages today and beyond.
When you come to us, you’ll have access to numerous expert services, including:
Annual reviews of all benefits
Optimized renewal options
Premium reviews and competitive bids for new coverage
Full resources to provide benefits information to employees
Assistance with claims resolutions
We’re here to streamline the employee benefits process for your company, all while ensuring your benefits selections fully support employees’ physical, mental and financial health needs. Constant change is the new normal, so we’ll make the benefits process easy for you and always be available for ongoing support and guidance.