Insurance & Health Benefits:
Comprehensive Coverage For Your Workforce
Offering a robust benefits package is key to attracting and retaining top talent. At Nelson Murphy, we help businesses and organizations design and implement comprehensive insurance and health benefits plans that provide employees with the security they need. Whether it’s health insurance, group disability, or life insurance, we’ll tailor a benefits package that meets both your organization’s needs and your employees’ expectations.
Our Insurance & Health Solutions:
- Health Insurance
- Health Saving Accounts (HSAs)
- Group Disability Insurance
- Group Life Insurance
Health Insurance:
Customized Solutions For your Team
Health insurance is one of the most important benefits you can offer your employees. Nelson Murphy works with a variety of health insurance providers to design custom health plans that give your employees access to the care they need without breaking your budget.
Our Health Insurance Services Include:
Plan Design: We’ll help you choose between options like PPOs, HMOs, and high-deductible health plans (HDHP) to find the right balance of coverage and cost.
Compliance: We handle regulatory requirements and ensure that your health plan meets all legal guidelines, including ACA compliance.
Employee Support: From enrollment to claims assistance, we provide ongoing support to ensure your employees understand and can make the most of their health benefits.
Health Savings Accounts (HSAs):
Empowering Employees to Save
Offering a high-deductible health plan (HDHP) alongside a health savings account (HSA) can be a great way to give employees more control over their healthcare costs. HSAs allow employees to set aside pre-tax dollars for medical expenses, giving them flexibility and savings.
Key Benefits of HSAs:
Tax Advantages: Contributions to HSAs are tax-deductible, and the funds grow tax-free. Withdrawals for qualified medical expenses are also tax-free.
Employee Empowerment: HSAs give employees more control over their healthcare spending, allowing them to save for both current and future medical expenses.
Portability: The funds in an HSA belong to the employee and can be carried over year to year, making it a long-term savings tool.
Group Disability Insurance:
Protecting Employees’ Income
Group disability insurance offers employees peace of mind by ensuring that they’ll have income if they’re unable to work due to illness or injury. Nelson Murphy helps you design group disability plans that protect your workforce and enhance your benefits package.
Our Group Disability Insurance Services Include:
Short-Term and Long-Term Options: We’ll help you choose between short-term and long-term disability plans, or a combination of both, to cover your employees’ needs.
Income Protection: Group disability insurance replaces a portion of an employee’s income, helping them maintain financial stability during recovery.
Employer and Employee Benefits: Offering disability insurance can increase employee satisfaction and retention, while also providing valuable coverage at group rates.
Group Life Insurance:
Financial Security for Employees’ Families
Providing group life insurance is another key element of a strong benefits package. This coverage ensures that your employees’ families are financially protected in the event of their death, offering peace of mind and security.
What We Offer with Group Life Insurance:
Basic and Supplemental
We’ll help you design a basic life insurance plan for all employees, with the option for supplemental coverage that allows employees to increase their life insurance based on their individual needs.
Affordable Coverage
Group life insurance is often more affordable than individual policies, making it easier for you to provide significant protection at a lower cost.
Flexibility
Our plans offer flexible coverage amounts and payout options, ensuring that each employee’s family is protected according to their unique situation.
Why Choose Nelson Murphy for Insurance and Health Benefits?
At Nelson Murphy, we take a comprehensive approach to designing benefits packages that protect your employees and fit within your company’s financial goals. From health insurance and HSAs to disability and life insurance, we work with you to create a plan that supports both your business and your workforce.
Ready to Design the Perfect Benefits Package?
Contact Nelson Murphy today to learn how we can help you create a comprehensive insurance and health benefits plan that attracts top talent and protects your employees.
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