Benefit Products
What makes an excellent employee benefits plan? There are many opinions, but defining threads are . . . Choice and Employee Education.Choice is not an element of "open the company checkbook," but rather serious deliberation on what a company can afford, what benefits the employee should pay for out of his/her pocket, and a wide choice of benefits, e.g., a cafeteria of choices.
Employee education goes hand-in-hand with choice. A well informed employee makes better benefit decisions. We educate.
Who pays for choice? The United States government tax laws allow a dollar for dollar reduction of FICA matching payments based on the pre-tax premium of benefits.
Below is a list of employee benefit products offered by J. P. Carter Company:
Medical
- PPO/ HMO/ POS Plans
- Prescription Card Services
- Medicare Supplements
- Vision Plans
- Employer Paid Term Life
- Executive Life
- Travel Accident
- Voluntary AD&D
- Voluntary Dependent Life
- Voluntary Term Life
- Voluntary Universal Life
- Executive Disability
- Integrated Disability
- Long Term Disability
- Short Term Disability
- Indemnity/ PPO/ DMO
- Buy Sell Agreements
- Corporate Owned Life
- Deferred Compensation
- Executive Bonus Plans
- Executive Medical Reimbursement
- Key Employee Insurance
- Life and Disability Carve-Out
- Salary Continuation Plans
- 401(k) & 403(b)
- Long Term Care
- Employee Assistance Program (EAP)
- Voluntary Benefits
- Legal Fees
- Special Risk
