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For small
businesses with only 1 employee to large firms with over 1,000
employees.
Martell Insurance
Services takes an innovative approach to designing group life,health,
disability and critical illness coverage. We work with you to
study the individual needs of your company,in order to provide
the most appropriate products that fit with your concerns and
budget. On your behalf, we then take this customized package to
market to solicit competitive quotations.
- We believe that
we work for you, the client and acting upon your direction,
tempered with our advice and experience, we shop the market
for a plan that helps you accomplish your goals at the most
reasonable cost.
- We place the
business with the selected carrier(s) and assist you in efficiently
completing all the paperwork.
- We provide you
and your plan administration with:
- Booklets
for each Employee
- An easy way
for you to use administration/claims kit for your plan administrator
- An Employee
information meeting to review the coverage, explain any
procedures for claims and answer any questions
- A personal
service contract(s) at the insurance company chosen
- As long as rates
and claims experience are reasonable, but at the most every
3 years, we do a complete market review to "Test the Water"
on your behalf to make sure your rates are in line with marketing
pricing.
Your firm has a group plan but you may have concerns such as:
Is it competitively
priced?
Are you satisfied
with your benefits or service?
Or
Do you want to
enhance your program?
Do you want to
make changes to your program to save money?
Do you want to
include Critical Illness as an additional benefit?
Your firm has no group plan but you want to:
Attract and maintain
good quality employees.
Provide Dental
and Extended Health benefits to yourself and employees.
Maximize the
Tax Advantages afforded a business owner.
Provide a Cost
Plus plan for business owners and key - employees.
- To provide employees
with the security of knowing certain financial uncertainties
are protected.
- To define and
limit a company's legal and financial obligations to it's employees.
- To provide some
"Special" Benefits to the "Special" people
who are instrumental in the company's success.
All the components
of an employee benefits program are not taxed the same. For an
explanantion and examples of how these benefits are taxed and
how it affects employees payroll deductions,
Click
Here
(You
will need ADOBE Acrobat Reader to view the above document. You
can get it by clicking
here.)
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