What We do
Workplace Benefits and HR Services
Businesses large and small can't survive without a solid team dedicated to win. Offering comprehensive benefits is the key to attracting top talent. Our Workplace Benefits and HR Services enable our clients to leverage their time, keep costs in check and stay in compliance to limit liability. Easy enrollments, self-funding options, PEO planning, and offering a suite of HR Services are just a short list of what Dividend Insurance Services can offer.
So Why Work With Us?
We don't get caught up with solely working with large groups. We work with small groups and provide the same high caliber service. We have many ways to scale your HR administration. We have also created content for financial literacy, a how-to guide for utilizing health insurance plans and other elected benefits for employees and their dependents understand how to navigate working with their medical service providers.
Life and Health Insurance
Health Insurance
The cost of healthcare is always ahead of inflation, that's why health insurance is so important. The kind of plans we are offer: Medical, Dental, Disability, Travel, and Long Term Care. There are also supplemental plans for when traditional Medical Insurance doesn't cover all expenses. Open Enrollment for Medical/Health Insurance is November 1st to January 15th.
Medicare
Medicare coverages change all the time much like our health does. There are different Prescription Plans, various network plans and perks the carriers offer. We always encourage our policy holders to keep a current list of medications, doctors, whether they are Medi-Medi, etc. I am always available to answer questions from family members. Open Enrollment starts October 15th and ends December 7th
Life Insurance
Some folks get a life insurance policy to give to their families some money for when they pass on, they may want to give to a charity or place of worship or create a Legacy. Some policies have features like: Chronic Illness, Accelerated Payments, Tax-Free Cash Value. Same for annuities. You can use them for supplementing retirement income, pay for long term care needs, or as a death benefit.
Structured Settlements
A structured settlement can offer a lot of flexibility and security. These settlements can be created so a Claimant can have some immediate cash, as well as, monthly payments. The great part is structured settlements are tax free income for life or a specified period of time, are low risk, offer capital protection, and provide professional money management. Should the Claimant pass away during the payment period, designated Beneficiaries will continue to recieve payments tax-free.
Affluent Client and Advanced Planning Services
We customize creative solutions based on your individual and business needs. We can help with a variety of scenarios like: Funding irrevocable trusts, planning for international clients, non-qualified deferred compensation plans, special needs trusts, SLATs, GRATs, charitable giving, Charitable lead trusts, and much more. Our team of attorneys and financial professionals are dedicated to assist in achieving your goals.