Your Trusted Worksite Benefits Specialist Based in South, FL

Your Trusted Worksite Benefits Specialist Based in South, FL

Your Trusted Worksite Benefits Specialist Based in South, FL

Aflac Insurance Provider
Allstate insurance Provider
colonial life insurance provider
trustmark insurance company
Washington national Insurance Provider
American public life insurance Provider

Your Trusted Worksite Benefits Specialist

Do you own a business and feel like your employees think you own a bank?  When’s the last time an employee asked you for cash, a loan, a paycheck advance or a raise?  Did you do it? For whom, for how long, are you willing to do it for everyone equally?

Here at Sue Eusepi & Associates, we help employers stay out of the loan business by financially empowering their employees.  Worksite benefits encompass a variety of employee or employer-paid programs that provide cash flow during a health event, keeping the employer out of the loan business.  Our promise is to Create value in a benefits program for your company, at little to no cost to the business owner.  When you protect your employee’s, you protect your bottom line.

Addressing Employer Concerns: Rising Costs of Healthcare, Workers Compensation Cost & Claims Reduction, Simplifying Benefits Administration, Create Value in your benefits program or build an affordable benefits program, Maintaining Competitiveness, Increasing Morale & Productivity, Reduce Turnover

Contact us today for a free evaluation at 561-747-8793 or sue@sueeusepi.com

Book a time with me

Supplemental Insurance:

With supplemental insurance, you can provide an additional level of financial protection for yourself and your employees in the event of a serious accident or illness, helping you stay out of the “loan business” at little to no cost to your business.

Facts

FACT: less than 49% of America can afford a $500 emergency expense federal reserve 2017

FACT: 61% employees believe better benefits increase work productivity

FACT: Reduce your Workers Compensation Claims and costs: 40% of companies providing access to voluntary Accident Insurance reported declines in their worker’s compensation claims research now 2016

FACT: 68% of employees believe their company will educate them about changes to health care reform and benefits research now 2016

FACT: 74% of employees say benefits enable a decrease in turnover

FACT: 59% of employees are likely to accept  a job for less pay and a more robust benefit package

AVERAGE COST OF DIABETES $11,400

AVERAGE COST OF DIABETES $11,400

AVERAGE COST OF A BROKEN LEG $7,352

AVERAGE COST OF A BROKEN LEG $7,352

AVERAGE COST OF A STROKE $96,881

AVERAGE COST OF A STROKE $96,881

Our Value Added Services

Fraud & Identity Theft Protection

When you protect your employees, you protect your bottom line.
Fraud Protection helps alleviate the burden of fraud and identity theft with an all-encompassing “Secure, Monitor, Restore” approach to protecting personal information and finances – while also allowing for continued productivity in your workplace.
Considering the vast amount of personally identifiable information shared online and exposed in data breaches, it’s more critical than ever to help your employees protect their personal, financial and credit information.

Affordable Care Act Compliance and Reporting Services

The deadline for Affordable Care Act reporting compliance is here. With these requirements come big challenges for businesses in the form of time-consuming data tracking, form preparation, filing and ongoing monitoring. Non-compliance is not an option. So with all of the complexities involved, how can employers be sure they are fully compliant?

Cafeteria Plans

Looking for a way to save? Let us help make tax savings easy for you and give your employees the savings they deserve through Section 125 Cafeteria Plans. With cafeteria plans, you can reduce your employees’ taxable income, thereby reducing your share of FICA and FUTA taxes.

Cobra Administration

If you have 20 or more employees, COBRA Administration can relieve you of the complexities and possible liability associated with COBRA compliance. Provided by WageWorks®, one of our preferred partners, COBRA Administration allows you to stay focused on your business.

Commuter Spending Accounts

Employers today are looking for new ways to improve employee benefit plans with minimal cost to their business. With commuter spending accounts offered by WageWorks®, one of our preferred partner, you can provide tax-free commuter benefits to your employees that can potentially save money for both of you!

HSA/HRA Incentives

Health savings accounts (HSAs) and health reimbursement accounts (HRAs), provided by one our preferred partner WageWorks®, allow you to offer HSA- and HRA-qualified health insurance policies to your employees. As an employer, any contributions you make as an employer are not taxable, allowing for additional tax savings by lowering employee taxable income.

IRS 125 Cafeteria Plans

A way to provide qualified tax-free payroll deductions, saving the employer the matching 7.65% FICA tax and saving the employees a minimum of 22% payroll tax savings. NO cost Plan Document setup.

Security and Privacy Compliance

Did you know, if you accept credit cards you are potentially at risk for fine and penalties of up to $500,000 and even jail time?

Does your business comply with federal, state and industry Information Security Regulations? Are you at risk of being fined? If you answer NO to any of these three questions you are at risk….

Telemedicine

Provides enrolled employees and their families with online or telephone medical treatment for just $25 per visit. Providers in the MeMD National network include certified physicians, pediatricians, nurse practitioner and physician assistants who practice in too9p-notch healthcare facilities. Access is 24/7/365. MeMD providers can submit an e-prescription to local pharmacies.

AD&D Coverage with Travel Services

In addition to the AD&D coverage, the travel assistance program includes a 24-hour, toll-free service that provides a comprehensive range of information, referral, coordination and arrangement services designed to respond to most medical care situations, as well as many other emergencies encountered when traveling in a foreign country or 100+ miles from home.

Health Advocacy & Medical Bill Saver

customers enjoy peace of mind, knowing they have 24/7 access to a personal health advocate wit can help with things such as finding specialists, clarifying coverage, addressing claim denials, even helping to resolve provider billing issues. Resolve issues, negotiate medical or dental bills, get help with eldercare issues and finds and schedules appointments with providers and specialists.

Personal Wellness

Helps employees achieve wellness goals with support from a dedicated online wellness coach. Personal Wellness resources include digital workshops, online coaching, discounts and more.

Financial & Legal Fitness

offers complimentary limited phone consultations for financial and legal advice from licensed professional who can assist in everything from college savings to retirement planning. Complimentary online resources and tutorials, as well as digital tools and calculators to help employees achieve their financial and legal goals.

Contact us today for a free evaluation at 561-747-8793 or sue@sueeusepi.com

Book a time with me

Our Insurance Products

Accident Insurance

Accident Insurance (all injuries treated by a doctor) provides immediate cash benefits to assist with the unexpected costs of a covered accident. Accident coverage helps fill the increasing financial gaps left for employees, their spouses and dependent children through their health insurance coverage. Off job only coverage and 24/7 coverage available, also includes Accidental Death Benefits and wellness benefits.

Cancer Insurance

Health care costs continue to rise, along with health insurance deductibles and co-payments. Some employers are holding down costs by moving to major medical plans that provide reduced benefits for out-of-network coverage. Critical Illness like Cancer coverage can help fill gaps caused by increasing deductibles and can provide benefits that can be used to help pay for out-of-network specialists.

Just as importantly, this product also pays annual cancer-screening tests benefit to encourage employees to have regular screenings, improving their chance of survival if they do develop cancer.

Critical Illness Insurance

Health care costs continue to rise, along with health insurance deductibles and co-payments. Some employers are holding down costs by moving to major medical plans that provide reduced benefits for out-of-network coverage. Critical Illness insurance can help fill gaps caused by increasing deductibles and can provide benefits that can be used to help pay for out-of-network specialists. Just as important, this product also pays an annual wellness screening benefit to encourage employees to have regular screenings.

Life Insurance; Whole Life, Term Life and Universal Life

We offer a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes.
We offer a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes.

Legal Shield and ID Theft Protection: Monitor, Counsel and Restoration Benefits

Identity theft has been the top consumer complaint filed with the FTC for 15 years straight. Victims are spending an exorbitant amount of time and money dealing with it and doing it at the workplace. That’s why you need a company that’s more than a website. You need an established institution that understands all the potential threats, how to prevent them and how to restore any damage done.

GAP Insurance

Is your high-deductible major medical plan causing a strain on your employee's finances? Gap insurance may help relieve the financial worry by helping to cover some of the out-of-pocket expenses that are not covered by your major medical insurance. Benefits can be paid directly to you or assigned to a chosen hospital, treatment facility or physician. With many Gap plans there is no need to deal with claims the carriers do all filing of claims all you need is your insurance card.

Coverage can include; Inpatient benefits, Outpatient benefits, Ambulance, Physical Therapy

Hospital Medical Bridge Plan

Hospital Insurance coverage provides benefits to employees to help pay for deductible and coinsurance costs, as well as everyday living expenses. This plan is designed to help fill the gaps left by most major medical plans today. Benefits are paid directly to employees unless otherwise specified. As the employer, there are several plan options available to you so you may tailor the best plan offering for your employees.Benefits such as; hospital admission, daily confinement, emergency room, ambulance, surgery and more.

Short-Term Disability Insurance

Employees depend on their income to pay for housing, food, clothing, their children's education – all the necessities of life. For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs. Disability Insurance replaces a portion of your employee’s income if he becomes unable to work because of a covered accident or sickness. Learn how Disability Insurance can provide financial security to employees and their family.

Dental Insurance

Regular dental care is an important part of maintaining your overall health. Unfortunately, a trip to the dentist's office can be costly. Dental Insurance helps cover costs such as; routine cleaning, X-rays, crowns, root canals, oral surgery and more. Dental insurance can help encourage frequent dental care, and provide peace of mind to consumers. In fact, employees rank dental insurance as the second most desired benefit after medical insurance.

Vision Insurance

Vision insurance helps provide coverage for basic benefits like eye exams and prescriptions, but it also pays cash benefits for eye disorders/diseases, eye surgeries and more.

Long Term Care

Long Term Care Insurance helps pay for the cost of long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid, such; assisted living, home healthcare, adult daycare and nursing home care.

Life with Long Term Care combination plan

A unique plan that covers both needs. No matter what you will use this plan. Guaranteed issued option which means No health questions up to $200,000, higher amounts available with some underwriting. Designed to accelerate Death Benefit at 4% per month for up to 25 months to pay for assisted living, home healthcare, adult daycare and nursing home care Example: With a death benefit of $100,000, $4,000 per month is available for 25 months to pay for long-term care and it does not reduce the death benefit.

Contact us today for a free evaluation at 561-747-8793 or sue@sueeusepi.com

Book a time with me
Life Happens

If you’re sick or injured, the costs can really start to pile up.

With Voluntary Benefits you can have help with those costs that may not be covered by your major medical insurance.

Book a time with me
Copyrights © 2019 Sue Eusepi & Associates Inc. All rights reserved. WEST PALM BEACH WORDPRESS WEBSITE DESIGN