Employee benefits are a critical recruitment and retention tool for your organization. HMS Insurance Associates has over 700 corporate and individual clients in the Mid-Atlantic region as well as nationally. Some of our clients have only a handful of employees and others have thousands. Regardless of their size, these companies depend on HMS to provide them with current, quality information along with a variety of services to help them better manage the complex challenges of today.
GROUP EMPLOYEE BENEFITS:
Medical / Dental
As core coverages, Medical and Dental are the cornerstones of all benefit programs. The HMS Employee Benefit Division has the experience to analyze and implement both self-funded and fully insured benefit plans.
Let’s analyze your employee benefit needs from the perspective of plan design, administration services and funding. With your input, we can assist you in the development of an action plan based on your goals and objectives. HMS works with business of varying sizes in the Mid-Atlantic region and nationally to provide:
Comprehensive analysis of your current plans.
Enhanced communication materials to educate your employees of their coverages.
Claims mediation.
Consolidation of billing.
Work to create a contribution structure to accommodate a company’s needs and be competitive within the organizations history.
Life / Disability
Ancillary lines of coverage are a very important part of any corporation’s benefit program. At HMS our employee benefits division works with over 30 highly rated Life and Disability carriers to ensure the best option is available for our clients specific needs.
INDIVIDUAL BENEFITS:
401K & Retirement Planning
HMS offers a coordinated program to assist in the evaluation, design, implementation and administration of retirement plans that best suit the unique needs of our clients. We pride ourselves on our unparalleled service to continually ensure sponsors and participants are properly educated and the plan is operating to its potential.
Common uses include mortgage protection, college education, and salary continuation. Individual Life, Disability, Long-Term Care, and investment products are key components in the strategic planning. Advanced uses include estate planning, key person, buy/sell programs, deferred compensation, split dollar programs and wealth accumulation. We utilize the resources of the most widely respected and financially solid insurance carriers in the industry.
