We’re the Group Benefits Insurance expert in North Carolina
Are you a business owner looking for a more cost effective, or benefit rich group insurance plan? We can help.
We have access to a wide range of group insurance companies, and can help pair you and your business with the best possible combination of price and coverage.
If you know anything about group insurance coverage, you know that over the past few years plans have been changed dramatically with more high deductible, HSA compatible plans replacing the traditional, HMO/PPO plans.
If you’re not familiar with the differences, you can easily make a mistake that cannot be undone for up to a year. This outcome is problematic for many reasons, but even more so if you have multiple employees relying on you to offer them the best possible coverage.
Here’s how our agency can help you:
- Group Health Insurance
- Group Dental
- Group Disability
If you need assistance in any of these areas and would like us to help, please call our office or head over to our contact page to get started. We would be happy to help!
Looking for Workers Compensation insurance in North Carolina?
When your employees are taken care of, your business is taken care of.
A key part of running your business is keeping employees safe at work. However, if one of your employees does suffer an injury, Workers Compensation coverage provides you and your employees with important protection.
You pride yourself on operating a safe, secure work environment where your employees can perform to the best of their ability while helping your business grow. Even in the most ideal circumstances, the reality is that accidents and illness still happen.
A slip and fall at a restaurant resulting in broken bones, an equipment malfunction at a construction site causing eye injury—it could be any number of things.
Am I required to have Workers Compensation Insurance?
Workers Compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
In most states, work comp insurance is required.
How Much Is Workers Compensation Insurance in North Carolina?
Because coverage requirements vary by state, the cost of Workers Compensation depends on where your business operates. Other factors that affect your rates include…
- The number of employees you have.
- The type of work your employees do.
- Your claims history.
- Your industry.
Like all insurance, Work Comp is priced based on risk.
Riskier industries and jobs are more expensive to insure than less risky ones. To make sure prices are as fair as possible, they’re determined by classification codes.
Each type of work or industry has a unique code that classifies the industry and risk, and helps the insurance carrier determine a suitable rate.
One way to save money on your Workers Comp policy is to make sure you’ve classified every employee correctly. The secretary for a construction firm, for example, will have lower rates than the bricklayers.
At Jason Bentley Agency, we understand the importance of keeping your employees safe and sound. After all, they are the foundation of your business.
We’re the Health Insurance expert in China Grove
Understanding the ins and outs of health insurance has become more and more difficult over the past several years.
Luckily, at Jason Bentley Agency, we have access to a long list of health insurance providers, and can walk you through your options.
Individual & Group Health Insurance
If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options. If you own a business and would like to compare your options for group coverage, we can help you with that also.
If you’ve ever tried to decipher health insurance plans on your own, you may have noticed that there are dozens of different plan types, and multiple providers who offer them.
This leads to confusion as to which company is best, and which plan is most appropriate for you needs.
Health Insurance Plan Variables
When deciding which plan is best, there are multiple variables that impact the final cost. During our meeting or phone call, we’ll discuss things like:
- Deductible options
- Co-insurance percentages
- Waiting Periods
- Exclusions & Conditions
If that sounds confusing, don’t worry, we’ll make it very simple.