Life is a lot like the weather – we never know what may happen. To get us through those unexpected moments in business and our individual lives, we have umbrellas and we have insurance – protection that is there when it’s needed most. While both are things that are not always top of mind, they are truly appreciated when the moment strikes. Linton & Associates, LLC provides a wide variety of insurance solutions that fit your company or individual needs and budget so that you are prepared for whatever happens and quickly recover. With these solutions comes a personal touch to individually review your situation, help you understand the options available, and create an insurance strategy that meets your goals.
Health Ins Group: This type of health insurance is typically provided to groups of two or more people within companies or other organizations. It covers treatment for health-related problems, including prescriptions and other services but vary by provider. Often, group policies provide significant discounts due to the number of members.
Health Ins Individual: While this type of health insurance provides similar coverage to that of group health insurance, it is directed at individuals or families. Each insurance provider offers different types of options and plans.
Wellness Programs: Wellness programs are designed to encourage participation in activities and plans that provide for a healthy, balanced lifestyle. These programs are often seen as preventative because they can reduce the chances for certain health or medical problems.
Dental: Dental plans can be individual or group and cover preventative maintenance as well as other dental procedures. These also vary in terms of coverage and procedures. Many often come with specific waiting periods.
Vision: This type of insurance covers preventative check-ups and eye exams as well as vision-related procedures and even glasses as part of individual and group policy options.
Disability: This type of coverage, usually provided through a company, provides coverage and compensation for a medical condition, stemming from an on-the-job accident or other situation that interferes with an individual’s ability to earn an income during a specific period of time.
Voluntary Products: This a set of insurance products that can be individual or group-based and are considered as additional benefits. Life insurance is a good example of a voluntary product that can be offered.
Section 125: Also known as Cafeteria Plans, these are often considered to be one of the most underused employee benefits. These plans allow employees to withhold a portion of their salary on a pre-tax basis to cover the cost of qualifying insurance premiums, medical expenses, and dependent care expenses. The “qualified benefits” include group term life insurance, medical, accident, and disability benefits as well as group legal services and dependent care assistance.
Retirement: There are a number of products to think about for retirement, including innovative retirement savings and investment accounts, Medicare supplements, pre-paid funeral costs and long term care products.
Long Term Care: This provides additional coverage and compensation for certain conditions that come with aging, such as chronic illness, nursing home care, adult day care or in-home nursing care. Often, these are additional expenses not covered under other insurance policies related to health.
Self-Funded: Instead of using an insurance company to deliver a fully insured plan, a firm provides these benefits to employees by using their own funds.