Employee Benefits

Empower your team with comprehensive coverage

Why invest in Employee Benefits ?

Competitive Advantage

Position your business ahead by offering quality health insurance, a recognized competitive edge in the labor market. Our expertise ensures financial control for business owners while providing employees with a wide range of affordable plans

Ancillary Benefits

We collaborate with business owners to deliver comprehensive employer-paid and voluntary ancillary benefits, enhancing the overall well-being of employees and their dependents

Tailored Benefit Plans

Crafted to meet the unique needs of each business owner, our benefit plans align with individual visions. This personalized approach ensures relevance and contributes directly to the success and growth of your business

Employee Benefits Plans

Diverse Insurance Coverage Options for Employees Provided by Employers.

  • Group Accident Insurance complements your medical coverage by helping to ease the financial impact of an accident. It provides you with a payment to use as you see fit and can help with any of the out of pocket expenses you may incur as a result of an accident, such as insurance deductibles, copays, transportation to/from medical centers, childcare and more.

  • Critical illness insurance supplements your current medical insurance and can provide a lump-sum payment if you are diagnosed with a serious illness such as cancer, heart attack, or stroke.

  • Bernal Insurance Agency offers group dental benefit plans that help employees, retirees and their families maintain oral health while reducing out-of-pocket expenses and providing the superior customer service and features they value.

  • Bernal Insurance Agency offers group vision products that provide employees significant savings on their vision care from routine eye exams to brand name eyewear to laser vision correction.

  • Bernal Insurance Agency has provided group long term and short term disability insurance protection to employees through their employers for more than 30 years.

  • Bernal Insurance Agency offers a range of financial and retirement resources that help employees maximize the benefits they receive at work while addressing their overall financial picture.

  • Group Life Insurance–provided through employers–offers employees a variety of life insurance coverage, conversion and portability options.

 FAQs

  • While the Affordable Care Act doesn't mandate health coverage for small employers with 1-50 eligible employees, opting to provide it comes with numerous benefits. Enjoy advantages such as enhanced employee loyalty and retention, improved productivity, tax benefits, budget control, and simplified aggregate billing.

  • Eligible employees, on average, work 30 hours per week monthly. Coverage may extend to part-time employees working 20-29 hours per week. Consult your Certified Insurance Agent for a comprehensive list of eligibility criteria.

  • Businesses with 50 or fewer eligible employees face no penalties for not offering health coverage. For those with more than 50 eligible employees, tax penalties were not applicable in 2015 and will take effect in 2016.

  • The employer's health insurance cost is influenced by choices such as coverage level (bronze, silver, gold, or platinum), selection of an Anchor Plan, the percentage of premium contributed to employee costs, and contributions to dependent coverage.

  • Only a 50% contribution toward the employee premium is required; no obligation for dependent coverage contributiogn from the employer.

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Start the conversation today

Connect with us hassle-free! Discover, like many others have, that at Bernal Insurance Agency, maintaining the good in your life is not only smart but also effortlessly easy. Your questions matter, and there's no pressure – let's begin a conversation that puts your peace of mind first.