Employee Benefits

The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. We can design an employee benefits program that makes sense for your company and your employees.

To keep operations profitable, business owners must work hard to ensure all facets of their businesses are accounted for and in good standing. However, at the end of the day, your company’s success is directly tied to your employees’ productivity, morale and dedication. This being the case, it’s important for you to do everything in your power to keep your staff happy and healthy, which is where group health insurance comes in handy. Providing group health insurance for the workers at your company is one of the best ways to ensure a healthy team and a healthy business.

The modern health care industry has always been complex and fairly difficult to navigate. Since the Affordable Care Act was enacted, however, it seems as if matters have become even more convoluted. At its most basic level, group health insurance is health care coverage an employer provides for business owners, employees and sometimes their dependents.

Medial
Dental
Vision
Life and AD&D
Short-Term Disability
Long-Term Disability
Cancer & Critical Illness
Accident
LOSAP
401 (k)
403 (b)
Key-Person

Eligibility
- All active, employees, including paid and unpaid personnel, of the (Policyholder) under age 75
- All Eligible Spouses of Class I Insureds
- All Eligible Dependent Children of Class I Insureds

If a husband and wife are both eligible to be covered as Insureds, one but not both, is eligible for dependent coverage for their Eligible Dependent Children.

Group policy issued to your organization (“the Policyholder”)
Eligible employees, including paid and unpaid personnel, are automatically covered
Includes coverage for eligible spouses and dependents
Benefits are paid directly to the covered insured

Cancer & Critical Illness Coverage Guide & Questionnaire

"Tom Newby with WinStar has assisted our ESD with obtaining the best pricing, insurance needs, and quotes. He was very helpful, timely, and resourceful. I highly recommend him and his team."