Medical
As a leader in group medical insurance, SBS Advisors works with clients of all sizes, industries, geographical locations and funding levels. We help businesses evaluate their current offerings, benchmark those plans to those of employers in your area, and then provide a simple plan and price comparison from which you can make an educated decision. We are top tier producers with United Healthcare, Medical Mutual of Ohio, Anthem and Aetna, among others.
Health Reimbursement Arrangement
If your company offers a health plan, you may establish a health reimbursement arrangement (HRA). This is an IRS-approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. The employer makes contributions to an employee’s account and provides reimbursement for eligible expenses. A health reimbursement arrangement is an excellent way to supplement health insurance benefits and allow employees to pay for a wide range of medical expenses not covered by insurance.
Disability
What would happen if an injury or illness prevented your employee from working and earning an income? Disability insurance provides an income when he or she is not able to work because of a covered illness or off-the-job accident. Primary wage earners in a family should be covered by disability insurance.
Wellness Programs
Approximately two-thirds of all deaths in adults aged 25 years and older in the United states today can be attributed to cardiovascular disease, cancer and diabetes. The primary causes for these conditions are four preventable risk factors – tobacco use, poor eating habits, inadequate physical activity and being overweight. A well designed Employee Wellness Program can directly affect employee absenteeism, health care costs, workers’ compensation claims and premium, lost productivity, and disability. A study done by the University of Michigan found that for every dollar spent on offering wellness; an average of $3.50 was saved.
Medical
As a leader in group medical insurance, Strategic Business Services works with clients of all sizes, industries, geographical locations and funding levels. We help businesses evaluate their current offerings, benchmark those plans to those of employers in your area, and then provide a simple plan and price comparison from which you can make an educated decision. We are top tier producers with United Healthcare, Medical Mutual of Ohio, Anthem, Humana, and Aetna, among others.
Health Reimbursement Arrangement
If your company offers a health plan, you may establish a health reimbursement arrangement (HRA). This is an IRS-approved, employer-funded, tax advantaged employer health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. The employer makes contributions to an employee’s account and provides reimbursement for eligible expenses. A health reimbursement arrangement is an excellent way to supplement health insurance benefits and allow employees to pay for a wide range of medical expenses not covered by insurance.
Disability
What would happen if an injury or illness prevented your employee from working and earning an income? Disability insurance provides an income when he or she is not able to work because of a covered illness or off-the-job accident. Primary wage earners in a family should be covered by disability insurance.
Wellness Programs
Approximately two-thirds of all deaths in adults aged 25 years and older in the United states today can be attributed to cardiovascular disease, cancer and diabetes. The primary causes for these conditions are four preventable risk factors – tobacco use, poor eating habits, inadequate physical activity and being overweight. A well designed Employee Wellness Program can directly affect employee absenteeism, health care costs, workers’ compensation claims and premium, lost productivity, and disability. A study done by the University of Michigan found that for every dollar spent on offering wellness; an average of $3.50 was saved.