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Your Benefits Partner, LLC11551 Nuckols Road, Suite N,  Glen Allen, Virginia 23059
Phone  804.565.3540    FAX  804.565.3542   dstocks@yourbenefitspartner.net
 
 
 

Voluntary Benefits

Do you think that your voluntary (payroll deduct) benefits such as disability, life, and supplemental aren't right for your employees, but you're not sure what you need or what to do next?  Do you feel your employees are paying too much for supplemental benefits that you aren't sure are really beneficial?  Or, have you thought about offering voluntary benefits but just haven't found the right product/agent mix yet?  Our free Voluntary Benefits Needs Analysis might be the answer. 

 

Here's how it works:

Debbie Stocks, agency owner and voluntary benefits specialist, will visit your office and conduct a complete audit of your voluntary benefits.  We'll look at your total benefits offering, how much employees are paying, where employees have been denied benefits, and which plans could be improved by offering a group policy (still voluntary so no cost to the business) with lower premiums and eligibility for all. 

 

Within 48 hours of our visit, you'll recieve a written report that gives the results of our analysis.  It includes specific benefit recommendations, along with cost estimates for employee premiums on a payroll basis.  There is no obligation or sales pressure of any kind.  Even if you don't have us offer benefits to your employees, you'll find this analysis of your voluntary benefits interesting - and useful.  Give us a call and we'll help you make the most of your benefits offering.

 

 

Individual Health Insurance

Let’s face it - Everyone needs health insurance. Whether provided by an employer, by a parent, by the government, or by the individual, no one can afford to be without health insurance today.

 

If you need to buy health insurance for you or your family, Your Benefits Partner, LLC can guide you through the myriad of choices to help pick what’s best for your individual situation.

 

PPOs, HMOs, HDHPs….the alphabet soup of health insurance acronyms can be daunting. But Your Benefits Partner, LLC can bring order from the chaos, providing quality products from leading carriers at affordable rates.

 

For many individuals and families, High Deductible Health Plans (HDHPs), coupled with Health Savings Accounts (HSAs), can provide quality coverage at extremely affordable rates. Some quick advantages of HDHP/HSAs:

 

  • HDHPs generally offer the lowest premiums available
  • HSAs allow people to save money for future out-of-pocket medical expenses
  • HSA contributions are made pre-tax, providing more take-home income

Individual Life and Disability Income Insurance

 The death of a loved one is a major emotional loss, and unfortunately,  can also have tragic financial consequences as well. Loss of income through premature death can result in surviving family members having to forego future dreams and plans, and suffer unnecessarily. Life insurance can be a simple and relatively inexpensive way to insure that your loved ones are protected should the unexpected happen.

 

 Statistically, a disabling condition is much more likely to occur than premature death, yet many people will purchase life insurance and forego disability income insurance. Usually for a very modest premium, you can provide for you and your family should a prolonged illness or accident prevent you from working.