Is our business large enough to offer group coverage?

Eligibility rules vary by carrier and by state, and many carriers write small group plans for businesses with only a handful of employees. We confirm the participation and eligibility requirements that apply to your company before any quote is prepared.

What will group coverage cost the business?

Employers typically contribute a share of each employee premium, and carriers often set a minimum employer contribution. We model several contribution levels so that you can see the cost to the business and the cost to employees side by side before you commit.

Can we offer dental, vision or life without group health?

In many cases you can. Group dental, vision and life plans can often be offered on their own or added later, which allows a business to begin with a focused benefits package and expand it as the team grows.

How long does it take for coverage to begin?

Group plans usually take effect on the first day of a month once the carrier approves the application, the employee census and the initial premium. Timing depends on underwriting, so we recommend beginning the process several weeks before the date you have in mind.

Group Employee Benefits in NJ and NC

Overview

Group Benefits overview

A thoughtful benefits package is among the most meaningful ways an employer can show care for a team. We work with business owners to understand their workforce, their goals and their budget, and we compare group health, group life, dental, vision and supplemental options so that the program you offer is both valued by employees and sustainable for the business.

We also handle much of the work that makes benefits feel complicated. From gathering census information and presenting proposals to supporting enrollment and answering employee questions, we serve as a steady partner throughout the plan year and at every renewal.

Coverage within Group Benefits

Group Health

Employer sponsored health plans designed to care for your team and keep business costs predictable.

Group Life

Employer paid and voluntary life insurance that extends meaningful protection to your employees' families.

Group Ancillary

Workplace accident, critical illness, hospital indemnity, cancer and disability coverage that employers can offer on an employer paid or voluntary basis.

Group Dental and Vision

Employer paid or voluntary dental and vision plans that your team will use and appreciate.

How we partner with employers

Benefits shaped to your workforce

We consider the size, needs and preferences of your team so that the program reflects the people it serves.

Sensible cost structures

We explain employer paid and voluntary options clearly, helping you decide how to share costs in a way that works for the business and its employees.

Enrollment and renewal support

We guide your employees through enrollment and return each renewal season to review the program, the market and any changes that may serve you better.

Request a consultation

Speak with us about benefits for your team

Tell us about your business and your goals for employee benefits, and we will arrange a conversation to explore the options together.

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Common questions

Group benefits, answered

Eligibility rules vary by carrier and by state, and many carriers write small group plans for businesses with only a handful of employees. We confirm the participation and eligibility requirements that apply to your company before any quote is prepared.

Prefer to talk it through? Call (973) 524-7188 and we will answer in person.