PRODUCTS
CORE BENEFITS:
The primary reason for offering benefits is to recruit and retain qualified, reliable employees. Their perceived value cannot be overstated. Proper planning and development of a core benefit program is essential for it to be effective and serve its original intent. The Patterson Insurance Group has been successful in helping clients evaluate, devise, and structure core benefit programs since 1978. Our programs include, but are not limited to:
- Medical (Fully Insured and Self Funded/Partial Self Funded)
- Dental
- Group Life
- Disability
- Retirement Programs
- Long Term Care
- Executive Carve-out Plans
- Flexible Spending Accounts
- Cafeteria Plans
- Employee Assistance Programs
VOLUNTARY BENEFITS:
Voluntary benefits should complement a company’s core benefit program while fulfilling personal and family catastrophic needs. The Patterson Insurance Group offers comprehensive, tailored voluntary benefit programs that provide unique and flexible solutions to employees’ changing benefit needs.
Our plans include, but are not limited to:
Voluntary Worksite Plans:
- Universal Life/Whole Life plans
- Voluntary Group Life
- Lifetime Benefit Term
- Critical Illness
- Cancer
- Accident
- Disability
- Dental
- Vision
- Hospital Supplement Plans
- Limited Medical Plans
- Long Term Care
- Legal Access Plans
- Auto Club Programs
- Pet Insurance
- Pay Card Programs
- Identity Theft Protection
EXECUTIVE BENEFITS:
In order to recruit and maintain top level executives, an employer must offer executive benefit programs that balance corporate goals and philosophies as part of the overall compensation package. The Patterson Insurance Group offers many executive carve-out plans such as life insurance, disability (including specialty disability programs), SERP plans, deferred compensation, executive bonus and split dollar plans. These programs, in addition to long term care coverage, offer companies and executives tremendous tax-advantaged benefits.