Life and Employee Benefits

Offering sound, comprehensive benefit plans is crucial to employers in their efforts to compete for loyal, competent employees. At Patterson//Smith Associates, we hold this in such high regard that we maintain an entire department of licensed employee benefit professionals.

Our experienced representatives work with each client to find the right program that fits their specific needs. We have a vast selection of benefit services available:

   o    Flexible Benefit Programs

   o    Group Life/Health/Disability/ Dental/ Vision

   o    Voluntary Payroll Deduction Plans

   o    Self-Funded Programs

   o    Group Carve-Out Plans

 

We can also offer valuable cost-containment options:

   o    Managed Care

   o    Claims Review Programs

   o    Wellness Programs, and

   o    Benefit Analysis Reports

 

Patterson//Smith Associates offers a free, personalized web-site for each client that can be accessed through thelink. This valuable human resources tool offers industry news, legislative summaries, a resource library including links to hundreds of web-sites related to human resources issues and administrative guides for HIPAA, FMLA, COBRA, and Section 125.   Additionally, a "Document Posting Center" allows Patterson//Smith to post important legislative updates and employee wellness information directly to the web-site.

 

Benefits provided by our Financial Services experts include:

   o    Qualified Retirement Plans

   o    Discriminatory Non-Qualified Retirement Plans

   o    Key Man Life Insurance

   o    Business Continuation Planning

   o    Estate Planning

Patterson/Smith Associates devises a competitively priced Financial Service Plan that will secure the future for you and your family. We will review your current coverage, show you options and help you select those which best meet your needs and budget.

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Employee Benefits Checklist

Employee Benefit Coverages

Long Term Care Insurance

Group Health Coverages

Conventional Funding

HMO/POS/PPO

Supplemental Group Plan

Government Contracting Programs

Short-Term Major Medical Policies

Marketing of Association Programs

Self-Funded

Dental (PPO, DMO, and Traditional Indemnity)

Section 125 Flexible Spending Accounts

 

Financial Services

Keyperson

Split-Dollar

Deferred Compensation

Buy-Sell

Survivorship Life

Term Insurance

Universal Life

Disability Coverages

Buy-Out

 

Retirement Plan Choices

Defined Benefit

Defined Contribution

401(k) - Profit Sharing

Simple 401(k) and IRA

Annuities

 

Voluntary Products

Cancer Expense

Critical Care

Dental Coverage

Life Insurance

Short Term Disability

Medical Discount Card

  For more information contact
Mike Fragola
Senior Vice President
tel: 703-698-0788
fax: 703-698-0137
toll-free: 800-792-9800

or contact us at mike.fragola@usi.biz