Group Health

Benefit Specialists understands the challenges that employers are facing with the rising cost of healthcare. Through our experience we have identified valuable solutions for both large and small companies.

We specialize in small group health with a number of companies. We can customize a plan to fit the employer´s needs. For large groups we work with consultants and can provide fully insured or self-funded plans. We can also provide health insurance for unique situations such as high risk, uninsurable individuals.

Contact Benefit Specialists today at 701.492.7372 or 800.383.6375 to learn more about creative, group health solutions for your company.

Dental

In today’s increasingly competitive job market attracting and retaining quality employees is a major focus for employers. Many employees, both current and prospective, use a company’s benefit package as way to evaluate how the employer values their employees. Dental coverage can be an inexpensive investment in your company’s future.

Levels of treatment:

Preventive: Usually provides for an exam every two to four times per year, x-rays, cleanings, fluoride treatments, sealants and spacers (certain limitations apply).

Basic: Usually includes fillings extractions, oral surgery, root canal, periodontics and repairs to crowns.

Major: Coverage usually includes crown, inlays, porcelain restoration, endodontic, full and partial dentures, certain adjustments, bridges, repairs, implants and non-surgical TMJ treatment.

Orthodontics: Coverage is typically for dependents up to age 19. Adult coverage is also available. Benefit Specialists can assist in the selection of a dental plan for your company’s needs. Please contact us at 701.492.7372 or 800.383.6375 for additional information.

Vision

Good visual health plays an important role in the contributing to your employees’ overall health. Vision care is a relatively simple benefit that can be viewed as extremely valuable to your current and prospective employees. It is currently ranked as the third most requested benefit, following health and dental, by employees across the country.

Periodic eye examinations are an important part of preventative healthcare. Many eye and vision conditions have no symptoms and your employees may not be aware of potential problems. Early diagnosis and treatment are important for maintaining good vision and preventing permanent vision loss.We have found vision to be incredibly popular with our current clients.

Contact Benefit Specialists at 701.492.7372 or 800.383.6375 to learn more about vision care options to protect your company’s most important resource, your employees.

Superior Vison Services, Inc.

A vision plan is an important component of a wellness strategy. Vision can play a critical role in an employee’s health and productivity, and – when offered as part of a comprehensive benefits package can actually be a tool in employee retention and satisfaction.

Vision Concerns
Some statistics from national vision care associations:

  • An estimated 15 million Americans have correctable vision problems
  • 1 in 4 school-age children has an undiagnosed vision problem
  • 70-75% of computer workers experience eye and vision problems
  • Vision-impaired drivers are 200% more likely to have an auto accident

Value to Employers and Employees
Vision coverage is an important part of health maintenance. Measurable benefits include:

Decrease in overall healthcare costs. Statistics put the financial burden associated with adult vision problems at $54.1 billion. Vision coverage can help cut into these costs by allowing routine comprehensive eye exams as a preventive step. Early diagnosis of ocular or systemic conditions or diseases and hence earlier treatment intervention has positive outcomes for reducing costs of overall medical care.

High value at a low cost. For a relatively small investment – often as low as $6/month – members get services valued at hundreds of dollars. The benefit provides value in excess of the premium paid. The Vision Council states that vision coverage is typically 1/10 of what medical benefits cost.
Enhance overall health. Routine comprehensive eye exams from an eye health professional provide another means of detecting such systemic health concerns as cancer, diabetes, hypertension, and high cholesterol.

Employee retention. Nearly 90% of those questioned in a national survey stated that having a vision plan is important to them. As employers struggle to decrease employee turnover and increase morale and company perception, a vision plan is an inexpensive “good news” benefit.

Increased productivity. Uncorrected vision can decrease productivity by up to 20%. Productivity can be enhanced with a proper prescription for eyewear and/or advice on easing the symptoms of work-related issues such as Computer Vision Syndrome.

For more information please view the PDFs below:

Advantage Letters

Critical Differentiators

Quote Request

Short-Term Disability

Many people believe that insuring one’s income is the most important form of insurance. Offering short-term disability insurance shows your employees you care for their families should they become sick or injured off the job, for a short period of time and are unable to work.

Maternity benefits are also a part of short-term disability. Employees have found the maternity benefit extremely rewarding and of great value financially when out on leave. Employers have found this benefit to contribute greatly to employee morale.

Let Benefit Specialists develop a customized plan for your company’s needs. Please contact us at 701.492.7372 or 800.383.6375 for additional information.

Long-Term Disability

A long-term disability can have profound and long-lasting effects on an employee, his or her family and the company they work for. For the individual, long-term disability insurance can mean the difference between maintaining their quality of life and the pressure of making ends meet during a stressful time.

The complexities of long-term disability can be overwhelming, not only for those eligible to receive benefits but also for those charged with developing company programs and procedures. We can customize your plan with a host of options including covering you in “your” occupation, cost of living adjustment clauses and benefit periods that extend to social security normal retirement age. Benefit Specialists can assist in the decision making process from market research through implementation.

We have the experience and industry knowledge to simplify this process for you. Contact Benefit Specialists today for your customized plan.

Please call 701.492.7372 or 800.383.6375.

Employee Assistance Program

Live Well Solutions provides professional services designed to help balance life’s demands. Live Well Solutions provides customized EAP, Worklife and Wellness Solutions designed to:

  • Reduce absenteeism
  • Reduce presenteeism
  • Improve overall organizational health
  • Offset or contain increasing healthcare costs
  • Increase employee loyalty and retention
  • Lower disability and worker’s compensation claims
  • Educate and train management, supervisors and human resource staff

Click here for access to the Living Well Website and enter password “benefitspecialists”

For more information about adding an employee assistance program for your employees contact us at 701.492.7372.

Long-Term Care

As the cost of healthcare and healthcare related services continue to rise, employees should consider the fact that their retirement assets and health insurance may not be adequate to fund their long-term care needs. Long-term care insurance can be offered on a group or individual basis.

By offering long-term care to your employees you are helping them prepare life’s unexpected changes such as illness or disability due to an accident. Long-term care offers an excellent solution to enable your employees to preserve their quality of care and their families’ quality of life when services are needed.

Ask yourself the following questions. If you don’t have all the answers, give us a call, we can help you work through this matter. See the resource tab for daily costs in ND.

Have you ever thought seriously about planning for long-term care before?
– Have you planned for long-term care (for yourself or your loved one) in any way?

What is your plan to cover your long-term care expenses?

  • Medicare
  • Medicaid
  • Private health insurance
  • Savings
  • An insurance product

If you or your loved one needed long-term care, where would you/they prefer to receive it?

  • At home
  • In a nursing home or other facility

If your spouse needed long-term care, do you think you could physically provide that care?
– Could you lift and bathe your spouse?
– Would you need professional help to care for your spouse?
– What would be your biggest concerns(s)?

If you have parent(s) or older loved ones who may need long-term care, do you think you could provide that care?
– Do you live close enough to provide care?
– Could you take daily time away from your career and/or family?
– What would be your biggest concern(s)?

Benefit Specialists are available to answer any question you may have regarding long-term
care, please feel free to contact us today 701.492.7372 or 800.383.6375.

Voluntary Benefits

When it comes to attracting and retaining your company’s most valuable resource, your employees, voluntary benefits are an excellent way for you to differentiate your company from your competitors, without any direct cost to your company.

With the rising healthcare benefit costs, voluntary benefits are an excellent solution to insure that you are offering a well-rounded, comprehensive benefit package to your employees. Voluntary benefits, which are not an additional cost to you the employer, show that your employees’ well being and financial security is a focus for your company.

Payment of premiums by the employee is simply made through payroll deductions. Participation requirements often apply to voluntary benefit programs, so utilizing an experienced company like Benefit Specialists will insure your voluntary benefits will be communicated properly.

Benefit Specialists offers the following products on a voluntary basis:

  • Life
  • Short Term Disability
  • Long Term Disability
  • Vision
  • Dental
  • Cancer
  • Critical Illness
  • Identity Theft Protection
  • Homeowners and Auto*
  • Purchasing Power Products*

* Large group only (500+ employees)

Benefit Specialists can help you successfully select and implement a customized solution for your company.

Please contact us at 701.492.7372 or 800.383.6375 for more information today.

Group Life insurance

Group life insurance is one of the benefits to consider, in order to achieve the goal of having a good benefit package. Fortunately, group life insurance is one of the most affordable types of insurance you can provide for your employees.

A group life insurance plan should be reevaluated and reassessed when your company grows significantly, hires executives with larger salaries, increases in number of employees, the demographics of the employee population changes, or when it improves previously offered benefits.

Contact Benefit Specialists as your business grows for more information on which group life insurance plan is best for your company. Also, if you have not reviewed your group’s plan recently, you may be eligible for a lower life insurance rate.

Purchasing Power

Purchasing Power offers companies, school districts and other public sectors with 500 employees or more, a creative, voluntary, computer, electronics and appliance purchase program with the ease and affordability of payroll deduction. Purchasing Power handles the qualification, purchasing and payment processes from start to finish. Employers have no additional overhead and are never liable for purchases made by employees.

Purchasing Power works for employees who might otherwise have difficulty buying and financing good quality, name-brand products without credit checks, down payments or late fees. It also allows employees to avoid the stress of additional credit card debit at high interest rates. Employers have found this benefit to enhance their company’s recruitment efforts and increase their employee retention.

Contact Benefit Specialists at 701.492.7372 or 800.383.6375 today to learn more about this innovative benefit program for your employees.

Purchasing Power Insert pdf here

LifeLock ®

Identity theft continues to be a significant threat against individuals’ privacy and financial security. A victim can spend hundreds of hours and thousands of dollars repairing their credit and reputation. LifeLock? can easily and affordably protect your important financial information and personal identification and inevitability you and your family’s future.

Please contact us today at 701.492.7372 or 800.383.6375 for more information or go to
www.lifelock.com/?promocode=BSPECIALISTS in order to get the best LifeLock? rates through Benefit Specialists.

Pet Insurance

Group Size:
1+ -5% lifetime discounts for all groups with 20+ employees (no minimum participation required)

States Available:
All

Agent Highlights:

  • $60 upfront, lifetime earnings for each submitted application for each pet ($20 for smaller add-on plans)
  • No appointments or special licensing are necessary for this program
  • Employees use their own credit card to get started anytime

Consumer Highlights:

  • Choice of any veterinarian worldwide
  • Up to 100% of the vet bill covered after deductible
  • Optional wellness package for routine care
  • Plans options range from $1,000-$20,000 annual coverage
  • No age or breeds excluded
  • Reimbursement time within 48 hours (for most completed claims)
  • Online and phone enrollments

For more information contact Benefit Specialists