Employee Benefits


We offer a full range of employee benefit programs including Health and Dental Insurance, as well as Group Life Insurance, Short and Long Term Disability, Long Term Care and Vision Coverage as examples.

Long Term Care Insurance

LTC insurance provides valuable support and financial resources that help cover the cost of long-term care in the event of illness, accident or normal effects of aging.

Accident Insurance

Group Accident Insurance complements your medical coverage by helping to ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with any of the out of pocket expenses you may incur as a result of an accident.

Short Term Disability

Supplements New Jersey State Temporary Disability and New York Disability with benefit options and Guaranteed Issue are available.

Long Term Disability

If you become ill and cannot work, disability insurance pays you a portion of your salary until you can return to work.  Disability Insurance provides your employees with financial protection when they need it most.

Critical Illness Coverage 

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery.  Covers many diseases such as Cancer, Stroke, Heart Attack, Kidney Failure and others.

Group Whole Life Insurance

Permanent life insurance provides financial protection for your family. The policy gains cash value and is convertible to an individual policy.  Coverage is typically based on salary.

Group Term Life and AD&D

Portability and Conversion with Guarantee Issue Lock in Feature is available.  Employee and Dependent Life Benefits are standard optional coverage.

Vision Coverage

Vision Coverage pays all or a portion of an individual’s eye care. For example, vision care insurance may pay for check-ups, contact lenses or eye surgery.

Key Person Life Insurance

A means of protecting a business from the adverse effects of the loss of an employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company.

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