Main Employee Benefits Menu Page

This section is a menu list of topics and items on this site. You can use this menu list or the topics menu on the left to find your topic of interest. You can come back to this menu page by selecting "Home" at the top menu or "Back" link from the left menus on the pages.

Or choose your topic below:

Overview of Employee Benefits

• Why purchase benefits for employees?

• How do the needs of a business change over time?

• An overview of benefits available

• Taxation of insurance benefits and premiums

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Protecting Your Business

• The Buy & Sale Agreement- Continuing your business

  • How to fund a Buy & Sale Agreement

  • Death of the Family Owned Business

  • The Need for Disability Income Buy & Sale

• Business Overhead Disability Income - Insuring your business overhead expenses

Medical Benefits

• Managed Care Plan: HMO & PPO  
  The Cost of Medical Care - an opinion

• Fully insured VS ERISA self insured plans

• Health Reimbursed Plans VS Health Spending Accounts (HRA vs HSA)

  • Save $$ with large deductible medical plans and pretax the deductibles

  • Comparison chart HSA vs HRA

• FAQ on medical

• Cafeteria Plans

• Laws that affect benefits and your business:

  • COBRA 

  • HIPAA 

    • The Tao of HIPAA - a simple explanation of what HIPAA is all about for employers.

    • Continuation of medical benefits - Title I of HIPAA

      • HIPAA means Portability of medical insurance more details

    •  What is HIPAA? How does it affect an Employer? 

    • HIPAA Tools for an Employer at ER.HIPAAps.com

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Group Life, Short & Long Term Disability Income

• Group Life

• Overview of Group Disability

• Short Term Disability

• Long Term Disability

• FAQ on Group Disability & Group Life

• Individual Voluntary Disability Income

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Voluntary Employee Payroll Deduction Plans

• Why offer Payroll Deduction Benefits?

• What programs are available?

  • Identity Theft Shield - protection for your employees from the fastest growing crime in the US

  • Individual Voluntary Disability Income

• Choosing a company and agent

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Key Employee Benefits

• Insuring a key employee

• Why reward key employees?

• What types of programs are available
  Disability Income
  Life Insurance
  Golden Handcuffs     

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Retirement Plans

• Overview of plans available

• FAQ on retirement plans

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Cafeteria Plans also called 125 Plans

• What is a cafeteria plan? (Pre-tax premiums & expenses for employees)

• POP (Premium Only)

• Medical Reimbursement and Child Care Reimbursement

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Business Forms

• Forms Menu

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