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Voluntary Products
As an employer, are you tired of spending more money for benefits and still experiencing employee turnover? Simply allow us to set up a Section 125 Plan and we will offer several top-notch, frequently requested employee benefits at no cost to you!
Richard S. Smith & Associates (RSSA) will set up your Section 125 Premium Only Plan. A Premium Only Plan allows all employees to deduct such premiums as healthcare, dental, and cancer on a pre-tax basis under Section 125 of the IRS code. This will save your employees federal taxes, and FICA taxes, which would be approximately a 30% savings on their premiums. In addition, the employer saves the 7.65% FICA match on those premiums, which means savings for the employer, too!
Richard S. Smith & Associates (RSSA) will implement a Section 125 plan with flexible spending accounts if the employer chooses. This allows employees to pay for eligible unreimbursed medical expenses with pre-taxed earnings Qualifying dependent care expenses can be added to this plan as well.
To read more about Section 125 Tax Savings, click here:
Section 125 Tax Savings
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Richard S. Smith & Associates (RSSA) represent the leading carriers for voluntary dental plans. Comprehensive dental plans are offered to your employees all at no cost to the employer with premiums being deducted on a pre-tax basis.
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Many employees look to their employers to provide additional life insurance. Through a voluntary life insurance plan, the employee has the option to purchase additional life coverage at affordable premiums with little or no underwriting requirements.
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Consider the facts. Cancer strikes millions of people-one out of three Americans, and two out of three families. While survival rates are high , the costs of treatment - both direct medical and indirect non-medical - can be substantial. Non-medical costs include loss of income, living expenses, transportation, special diets, family care and so on. Employer plans usually cover only direct medical costs. Indirect non-medical costs must be paid out of the insured's pocket. Richard S. Smith & Associates (RSSA) offers a comprehensive plan to cover many of these additional out-of-pocket expenses.
To learn more about Cancer Statistics and Cancer Insurance, click here:
The Facts About Cancer
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Richard S. Smith & Associates (RSSA) offers short term disability plans through the workplace. They are designed to replace a percentage of income while the employee is out of work due to a covered illness or injury. The facts are that eight million Americans have disabilities that limit their ability to work. About one-third of all Americans will suffer a disability for at least ninety days. The chances of disability mean that your most important asset-your ability to earn a living- could be taken away suddenly.
To learn more about Short Term Disability Insurance, click here:
Short Term Disability Insurance
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
One in five Americans will be disabled for one year or more at some point in time during their working lifetime. Long term disability coverage provides employees with a percentage (usually 60%) of their pre-disability earnings and continues to pay for a specified period of time or until the person is no longer disabled. Richard S. Smith & Associates (RSSA) offers this vital product through top rated carriers at an affordable cost.
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Voluntary vision plans are offered by Richard S. Smith & Associates (RSSA). Sixty percent of all employees wear either eyeglasses or contacts. A vision plan helps provide valuable dollars for these services and helps the employees save as much as forty percent on additional prescription eyeglasses, sunglasses and contacts.
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Richard S. Smith & Associates (RSSA) offers group plans to help protect your employees' assets in the event of a long-term illness that would require nursing home or home health care. Long Term Care policies will pay on a monthly basis to cover the cost of such health care. This plan can be offered as a completely voluntary benefit, or the employer can buy a "base plan" and include additional benefits that the employees purchase or "buy up" to suit their needs. Should you choose to offer it, employees can also purchase Long Term Care for other family members, such as parents or grandparents.
To learn more about Long Term Disability Insurance, click here:
Long Term Disability Insurance
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
A Critical Illness Plan can help complement your existing healthcare benefits. This is a simple, lump sum benefit that will pay upon the diagnosis of major illnesses such as terminal cancer, heart attack, kidney failure, stroke, organ transplant, paralysis, coma, loss of sight, etc. This benefit is paid directly to the insured, and can be used for whatever expenses are needed.
For more information, contact Sharon Brown, Stacey Molitor, Bryan Brown, Elizabeth 'Liz' Hamff, Jennifer Yerrington or Jennifer 'Bunny' Pratt
Richard S. Smith & Associates (RSSA) believes that the key to a great 401K-retirement plan is to have the right plan design and administration. We often use independent financial advisors to assist the employers in implementing the retirement plan that best fits the company's needs. There is service after the sale when you work with Richard S. Smith & Associates (RSSA) in communicating the plan to employees and educating them on their investment choices.
For more information, contact Richard Smith, Sharon Brown, or Bryan Brown
With rising costs of group health plans, many companies are raising deductibles to keep rates affordable. Medical Bridge Plans are an inexpensive way to provide lump sum benefits to employees for many of their out-of-pocket expenses including deductibles. These plans are low maintenance, and typically do not experience rate increases as frequently as health insurance plans.
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