Group Disability insurance can help employers manage financial risk and maximize workforce productivity while offering employees a measure of financial security by helping to protect their incomes. A majority of Americans have group health coverage through their own or a family member's employer-sponsored group plan. Employers and employees can share costs and there are special tax incentives available to businesses that provide group health insurance.


At R James Associates Benefit and Insurance Brokers, our offerings are designed to help employers of all sizes meet their benefits objectives and budget constraints. All of our affiliates have a proven service model that ensures your company of accurate claim management and also helps to deliver a high standard of customer service.


By focusing on workforce productivity and providing the necessary tools and resources will help support employee health. This in turn will also minimize absenteeism while helping to alleviate the incidence of disability within the workforce utilizing our consultative approach provides prospective employers and small business owners with insights and resources to help optimize their benefit offerings to their work force.


Smart Business:


If you want to provide health insurance benefits and you're able to contribute toward employee premiums group health insurance is the way to go. Offering group health insurance can help you hire and retain the best workers, and the amount you pay toward employee premiums may be tax-deductible. Since no one can be turned down based on medical history, group coverage also protects workers or family members who might otherwise go uninsured.


An employer can also offer a contributory insurance plan, in which case the employee will contribute a certain percentage of the premium. Or the employer can choose to offer a voluntary plan, where the employees enroll on their own accord and pay full premium. In either case scenario, it lends value in developing a quality work force while at the same time promoting a winning business strategy for the company. Give us a call today and we will help you determine which group plan may be right for your business.