Group Life Insurance
Group life insurance has your employees’ interest in mind at a small cost to you. It adds an extra benefit that is very attractive to employees.
Generally, there are no health questions or medical exams. Beyond the basic coverage, additional questions or exams may be required. Rates are based on the group, not the individual. Paperwork is kept to a minimum since it’s a group.
You can reach us at 850-473-1500 or e-mail
one our staff members to discuss this valuable coverage.
Group Health Insurance
In today’s market, a comprehensive health plan attracts and retains your best employees.
Our firm offers group insurance plans for all size groups. We can custom design a plan to meet your needs and your budget, while providing you with side by side plan comparisons and money saving options. We have a full portfolio of traditional plans, PPO’s and HMO’s, HSA’s and HRA’s.
Barnes Insurance & Financial Services is clearly a leader in the group health area due to our knowledge and commitment to our clients! We have over 10,000 lives covered. Call us and find out what you’re missing!
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Group Disability (Short and Long Term)
Many business owners know their employees’ will not purchase or cannot afford this valuable coverage.
Unfortunately, may people don’t understand how physically and financially devastating becoming disabled can be.
Generally, there are limited medical questions and no medical exams required. Rates are based on the group, not the individual, and paperwork is kept to a minimum since it is a group plan.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Group Dental
Choose from a wide range of available options with as few as two employees.
We offer plans where no employer contribution is required and is voluntary. Employees can choose to keep their dentist or choose a network dentist.
These plans cover preventive, basic, major procedures as well as options for orthodontia coverage.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Group Vision
Many employees have a need for routine eye care. We work with one of the nations largest eye care providers.
Business owners can offer employees employer paid or a voluntary vision plan.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Business Retirement Solution
Barnes Insurance & Financial Services approaches your business retirement needs with the variety of diversified products we offer:
- 401K plans & safe harbor plans defined benefit and money purchase plans
- ESOP plans employee stock ownership plans
- 457 plan and government agency plans
- Simple IRA & SEP IRA’s
- Taft Hartley & multi-employer plans
We are committed to helping you manage your plan and effectively communicate to your employees. Our plans access leading edge technologies and a variety of investment options.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Self Funded/Medical Stop Loss
Large employers may want to evaluate whether self-funding their company’s health insurance plan is a good idea.
Self-funded clients generally gain better control over the design and financing of their plans. While employers assume the risk of their claims, we can assist you in purchasing reinsurance coverage or stop loss insurance that will protect the plan from unpredictable losses.
We will assist you with the benefit plan design, network evaluation, summary plan description and choosing a claims administrator.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Group Long Term Care
A great deal of families today are faced with the difficult decision to take care of a loved one or family member. According to the United Seniors Council in Washington, D.C. 6.4 people aged 65 or older will need long term care. 42% of Americans who are 65 will enter into a nursing home during their lives. The annual average cost is $50,000 and may not be covered by Medicare or medical insurance.
Purchasing a long term care policy should be part of your overall asset protection financial plan. Fortunately, today there are quality policies available with a variety of riders and features we can custom design for your unique situation.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
Other Voluntary Products
Many employers are offering their employees voluntary products through convenient payroll deductions at no cost to the employer.
These products could be:
- Accident Insurance
- Disability
- Cancer/Specified Disease
- Term Life
- Legal Assistance
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
125/Cafeteria/Dependent Care/HRA Accounts
Our firm can assist you in evaluating and choosing a provider for the above services. We make sure your plan is easy to manage and you and your employees understand how the plan can help them.
You can reach us at 850-473-1500 or e-mail one our staff members to discuss this valuable coverage.
