There are many types of Insurance offered by Clark & Associates. The question is what is best suited for you, your family, your company, your growth, your future? Call today to speak with a representative who can help identify what solutions may fit you best. You may be surprised at what you learn.
Health Plans
HEALTH CARE costs, and consequently employee health benefits costs, have been increasing at an alarming rate for nearly a decade. Though cost increases had seemed to be leveling out based on 2009 data, cost increases actually jumped in 2010 and are expected to rise further in 2011. Avoiding rising health care costs is nearly impossible, but you can learn about why they continue to rise and what you can do to manage costs for your organization and your employees. Clark & Associates is here to help you to determine and develop the best Health Plan option(s) for you and your team.
Dental Plans
Now more than ever, employers are realizing that dental coverage is an essential, at times differentiating, employee benefit. But simply having dental coverage is not enough; employees are demanding more. Having a flexible, more comprehensive dental benefits package is becoming a competitive advantage for employers. Most of all, employees are asking for choice in choosing the best plan for them. This could include having the option to choose a base coverage level or pay more for more substantial coverage.
Most dental plans can be custom-designed, just like medical plans. Traditionally, dental plans aim to emphasize access and prevention. Clark and Associates can assist you with reviewing some basic guidelines and to selecting an effective dental plan.
Vision Plans
Connecting with your employees on the value of vision care and vision insurance is an integral part of maintaining a healthy workforce. Vision care is not only essential to the health of your employees,
it is also vital to your business
. Employees at any age can experience vision-related health concerns that may impact your health plan budget and infringe on their productivity. Workers of all ages may experience vision stress, which can lead to consistent headaches, the inability to focus, blurred vision and a loss of concentration, according to the American Optometric Association. However, Clark and Associates can help you and your team by offering vision insurance benefits to employees and encouraging them to take advantage of the benefit and maintain consistent care, they can reduce their risks of developing the conditions listed above.
Employee Benefits
SAVING MONEY on employee benefits is a must in today’s economy. The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines.
Helping you meet these divergent objectives is our specialty.
For years, Clark and Associates of Nevada, Inc. has been providing insurance and employee benefits consulting services to the business community. Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
Voluntary Benefits (Including Gap and Critical Illness Plans)
As health care costs continue to rise, so has the increased demand for voluntary benefits. Since many employers find it increasingly difficult to provide employees with a complete benefit package, voluntary benefits have become an ideal solution. Voluntary benefits allow employers to offer benefits that are attractive to employees, but without added cost to the company. Let Clark and Associates show you how your employees can benefit because they have a variety of insurance options available conveniently in one place, and often with lower premiums than individual policies they would have bought themselves.
Because of their cost efficiency and portability, as well as their contribution to an employee’s work–life balance, voluntary benefits are increasingly becoming a central component of many companies’ overall benefits strategies.
Life Insurance
Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense. But if you have people that depend on you for financial support, then life insurance is really about protecting them in case something happens to you – your designated beneficiary would collect a financial benefit upon your death. Life insurance can be confusing, so contact Clark & Associates today for a complimentary review session.
Disability Income Insurance
Disability insurance has become an increasingly valuable part of a comprehensive employee benefits package. Not only does disability insurance fill the gaps in financial protection offered by other programs like Social Security, but it is also a highly sought after component of a competitive benefits package for employers who need to attract and retain talented employees. And while employees appreciate the peace of mind they receive as their income replacement benefits are being paid, employers can use the resources offered by insurers to manage time and productivity losses and find the most effective ways to return employees to work.
Business Overhead Insurance
Most organizations employ at least one individual who is essential to the company’s success. This person may be a partner, owner, majority stockholder or another individual who is crucial to the business. If this person unexpectedly leaves the organization – due to a death, disabling accident or an immediate resignation – it may be hard for the organization to survive without the person who makes the business run smoothly.
If your organization employs individuals who are vital to its success, key-person life insurance or key-person disability insurance can help protect . These insurance solutions can give your organization options other than immediate bankruptcy should you lose the key person or people without warning.
Long Term Care Insurance
To combat the high costs of long-term care, LTC insurance protects individuals against incurring large out-of-pocket expenses in the future by paying affordable monthly premiums now. There are two different types of long-term care insurance policies available:
- Individual long-term care insurance
- Group long-term care insurance.
Individual policies are generally purchased by people whose employers do not offer a group policy or those who feel that they need to supplement their employer’s policy to obtain the most coverage possible in the event they need long-term care assistance. If employers and associations offer long-term care insurance to employees in the form of a group long-term care insurance policy, the policy may not offer the same level of protection afforded by individual long-term care insurance policies. Prior to purchasing a group policy, it is wise to compare the level of protection offered versus the level of protection guaranteed in comparable individual policies. Long-term care insurance policies should also clearly state whether they are individual or group policies.
