• Indemnity Plans
• Managed Care network plans
• Comprehensive & dental assistance plans

  Vision                                                   

• Employer sponsored or contributory
• Stand-Alone or in conjunction with dental
• National eye care provider networks
• Preventive (routine eye checks)
• Comprehensive (includes lenses, frames, contacts)
• Lasix surgery discounts

  Life Insurance                                     

• Employer Sponsored Plans
• Voluntary "contributory" Plans
• Guaranteed issue, high limits
• Conversion and Portability options

  Long Term Disability                         

• "Own occupation" definition
• Management "carve out" option 
• 2 Yr, 5 Yr, Age 65 & Lifetime benefit durations
• Choice of elimination periods (30, 60, 90, 180+ day)
• 60% of Earnings / Social security integrated or non-integrated
• Partial disability benefits
• Return to work "incentive" options
• Survivor benefits

  Short Term Disability                      

• 13, 26, 52 week benefit durations
• Choice of elimination period / 8 day std
• First day accident option
• Fixed weekly benefit or percentage of earnings

  Limited Benefit Medical Plans      

• Employer funding optional
• Guaranteed issue 
• Choice of PPO networks
• No participation requirements
• Low limit "mini-med" plans
• Low weekly premium
• Drug card, office visits, lab/xray, surgical, hospital, dental/vision
• Employee choice

  Retirement Plans                              

• 401(k)
• Simplified Employee Pension Plan (SEPP)
• S.I.M.P.L.E plans
• Mutual Funds
• Variable & Fixed Annuities