Employee Benefits

Finding quality employees is half the challenge. Keeping them – and keeping them well motivated – is the other half, especially in today's tight labor market. One way to do that is to provide competitive benefits. I know, when many small business owners hear the words "employee benefits," they immediately think, "one more expense I can't afford!" If this sounds like you, you might want to think again. Two reasons:

  1. Carefully selected benefits can help reduce costly employee turnover, boost morale and, in turn, help assure your company's stability and productivity.
  2. Benefits need not cost you an arm and a leg. For example, a voluntary payroll deduction program lets workers – including you as an owner-employee – acquire valuable benefits at virtually no cost to you.

Through our partner Benefits Plus, we're able to provide a full range of employee benefits and services.

  • Group Major Medical Plans

  • Group Disability Plans

  • Group Life Plans

  • Group Dental/Vision Plans

  • Flexible Spending Accounts

  • Voluntary Coverage*

  • Retirement Plans

*Your participation in the payroll deduction life insurance program is completely voluntary. Since this program is not intended to be subject to the Employee Retirement Income Security Act of 1974(ERISA), your employer cannot contribute to or endorse any policy offered under this program.

**We can provide the following insurance products through our relationships with other insurance companies. Please note that some of these products are not available through New York Life and are subject to state approval in the states you are domiciled or reside.

Group Major Medical Plans

Covers most health, hospital, and major medical expenses.

Group Disability Plans

Basic salary replacement for many long and short-term disabilities. We also offer competitive rates on your state required disability.

Group Life Plans

Provides individual employees with life insurance protection.

Group Dental/Vision Plans

Covers dental and vision care expenses.

Flexible Spending Accounts

Why not make any eligible out of pocket costs pre-tax? This could mean a tax savings to you and your employees! Please consult with your tax advisor for tax advice.

Voluntary Coverage*

Additional enhancements to your employee benefits program that can be 100% employee paid. Products include Whole Life and Universal Life Insurance, Dental, Vision, Long Term Care Insurance, Cancer Protection, Short Term Disability and more. There may be a cost to set up payroll deductions.

Retirement Plans

All types of products to fund 401(k), Profit Sharing, Defined Contribution, Defined Benefit, and other qualified and non-qualified plans.