Benefit Options

CORE GROUP BENEFITS

 

Barham Benefit Group helps your organization take care of your employees’ insurance needs through benefit plan solutions.

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BBG can help you define your benefit objectives. We can create a core benefits plan including medical, dental, disability, and life insurance. We can also help you evaluate and select additional (voluntary) benefits such as critical illness, long-term care, and more. Core benefits are typically employer-paid, while voluntary benefits are offered through an employer but paid for by the employee. Many core benefits, such as disability, life, vision, and dental, can also be purchased by employees as voluntary supplemental coverage … but because they are group programs, employees pay less.

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As an additional service, we can help you set up Section 125 plans that allow your employees to use pre-tax dollars to pay for premiums and other eligible out-of-pocket expenses. Section 125 plans can also be used by employees to pay for dependent care and other eligible expenses with pre-tax dollars.

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Group Medical Insurance

Barham Benefit Group works with a variety of insurers. We can provide you with the advice and resources you and your employees need to make the best and most affordable choices for health care coverage.

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Group Disability Insurance

Disability insurance helps your employees protect their paychecks from loss of income for non-work-related illness and injury. Many disability plans offer return-to-work programs that will help you minimize the costs associated with employee absence. Whether your company is large or small, BBG will help you create a disability plan that meets the needs of your company and your employees.

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Group Life Insurance

Group life insurance has long been a staple of employee benefit packages. Employees want it because it can ease worries they have about leaving family members financially unstable should they die. Employers like to offer it because it’s inexpensive compared with other benefits such as health insurance. But life insurance can be a complex decision. BBG will address your concerns and collect the information that’s right for your organization and your employees.

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Group Dental and Vision Insurance

Dental and vision insurance plans are also benefits that employees value—and these programs can be provided at affordable rates for employer and employee alike.

 

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VOLUNTARY GROUP BENEFITS

 

Do you want to enhance your employee benefits beyond traditional group coverage? Barham Benefit Group can help you understand a variety of options for employee coverage and help you select the right ones for your team.

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In addition to disability, life, vision, and dental voluntary insurance benefits can include these:

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• Accident

• Critical illness

• Cancer

• Long-term care

• Auto

• Homeowner’s

• Identity theft

• Legal Services

• Pet Insurance