Group Health, Life and Disability

GROUP PLANS SHOULD FIT
YOUR BUSINESS PLAN

You know the right benefits help you attract and retain the right employees. But your employee benefits plans should also be right for your tax strategy, your technology platform and your administrative style.

Take a strategic approach to group health, life and disability income insurance, as well as group dental and vision insurance, with expertise from your Robertson Ryan agent. We help you look at plan design from every angle, including benefits communications, claims management, portability of coverage, and tax deductibility.

Rely on our consultative approach to

  • Find the best value from the broadest menu of insurance outlets
  • Use online resources like our free MyWave portal to simplify administration and engage employees
  • Increase employee involvement in managing their health and their health care
  • Stay on top of changing federal and state regulations

Plus, you gain the formidable influence of the Robertson Ryan name in negotiating with carriers. Talk with your agent today about group health, life, disability, dental and vision insurance…and make the right benefits choices for your business and your employees.

Group insurance coverages

Group Health Insurance

Offerings vary based on state regulation, business size and type. Numerous deductible, coinsurance and copay designs are available. Choices range from streamlined, cost-efficient plans for smaller groups to more complex plans that include alternative funding arrangements for larger groups. Plans frequently include some form of managed care, such as a health maintenance organization or a preferred provider network. High-deductible plans offer access to Health Savings Accounts. Yes, there are many avenues to explore and choices to make! Let your Robertson Ryan agent guide you.

Group Life Insurance

An easy way to help employees protect those who depend on their salary. Group underwriting keeps coverage affordable and enables employees to be covered no matter what their medical condition or history. Can include the option for employees to purchase additional coverage. Employer-paid premiums may be tax-deductible.

Group Disability Income Insurance

Replaces a portion of an employee’s income—typically 50 to 65 percent—if he or she cannot work due to injury or illness. Short-term and long-term disability coverage is available. Can include the option for employees to purchase additional coverage.

Group Dental and Vision Insurance

May be paid for by the organization, the employee, or both. Can range from simple discount plans to more complex reimbursement programs.