ESG can provide you with an amazing benefit package that will save you and your employees money. When you choose ESG, we’ll help design a plan that works well for you and your employees. You’ll have access to our benefit programs that offer more for less and access to our administrative team who will handle all aspects of your benefit plans

ESG Employee Benefits Program Features

Employee Education Programs – We work as an information resource for you and your staff on retirement planning, insurance, long term care planning, health and wellness topics and much more. The most important part of any employee benefit program is making sure that your employees understand and appreciate the benefits you provide. As an employer, you want to provide benefits to reduce employee turnover, improve productivity by improving employee job satisfaction, and eliminate the time and stress of your employees having to obtain their own insurance plans. 

Health Insurance – Many people cannot purchase health insurance on their own due to seemingly minor medical conditions. If you want your employees to have a high quality insurance program, our guaranteed issue group health plan offers prescription drug coverage, office visit co-pays, free annual exams, vision and dental insurance. If premium costs are your main concern, high deductible, self-directed programs are available. 

Dental & Vision Insurance – Most plans offer two annual dental checkups, x-rays and cleanings. Orthodontics is an option for larger groups. Vision insurance provides exams every 24 months and new frames, lenses or contacts. Most group health plans cover the vision exam under preventive care. 

Long Term Disability Income Insurance – LTD is an important employee benefit as 1 in 3 workers will become disabled for at least 90 days during their working lives causing more home mortgage foreclosures than any other reason. LTD replaces your salary to ages 65-70 if you are disabled for more than three months. Up to 85% of salary replacement is available for most occupations.

Short Term Disability Income Insurance – STD replaces your salary for the first 3-6 months of a disability and then stops when LTD begins. STD benefits also cover pregnancies. 

Long Term Care Insurance – LTC covers the cost of a nursing home or home health care. Many health insurance polices cover this for only the first 100 days of care if they cover it at all. Over half of all adults will need LTC after retirement at an average annual cost of more than $48,000.

Life Insurance – An employer can give each employee $50,000 of term life insurance income tax free. Spouse and dependant coverage on a guaranteed issue basis can also be included for a few dollars more. The only life insurance a family has is often that which is employer-provided. 

Flexible Spending Accounts – An FSA allows employees to save money pre-tax for the coming year’s non-reimbursable medical expenses, health insurance premiums, public transportation or daycare costs. Both you and your employee will save on reduced FICA and income taxes. This alone can reduce the cost of a health plan by 7½% up to 40% or more. 

Health Savings Accounts or Health Reimbursement Accounts – HSA/HRA plans are new in the health insurance industry. If you have a qualifying high deductible health plan (HDHP), employees (or employers) can invest funds in a tax-deferred savings account to fund non-reimbursable medical expenses. Unlike FSA plans, unused dollars roll forward into future years and remain the property of the employee.

Personal Financial Planning – Whether your employees are just starting out, in mid-career or approaching retirement, they need a resource they can trust to answer all their financial questions. 

Toll Free Telephone & Internet Access – Employees can contact all benefit areas to answer questions on their accounts or for service-related changes. Health insurance and FSA/HSA/HRA plans are administered via smart cards for quick payment or reimbursement for out-of-pocket expenses.