Voluntary Benefits Plan Design
With Moreton & Company as a partner, you can offer your employees big benefits with little or no impact on your bottom line and minimal impact on your human resource and benefits departments.
Level 1 Benefits
These benefits are for employers who prefer to meet certain health/welfare needs with voluntary benefits rather than employer-paid benefits. Benefits include:
- Long-term and short-term disability,
- Accidental death & dismemberment,
- Individual life insurance,
- Individual critical illness,
- Medical supplement, and
- Individual long-term care.
Level 2 Benefits
These benefits are for employers whose core benefits programs or existing voluntary benefits programs generally meet the health/welfare needs of its employees. Benefits include:
- Group auto and homeowner,
- Group long-term care,
- Group critical illness, and
- Legal services.
Level 3 Benefits
These benefits are for any employer with high-income employees (executive/officers, sales people, owners) and/or long-term employees with substantial balances in retirement accounts. Benefits include:
- Non-qualified retirement programs,
- Executive group variable life insurance,
- Executive supplemental disability,
- Long-term care carve out,
- Wealth planning, and
- Estate planning.