With the Affordable care Acts (ACA) changes in Healthcare, Chamber member companies are reviewing the health insurance they offer to their employees to make sure that they are compliant with the ACA law. Through the Rocky Hill Chamber you can see what three companies have to offer. Healthy CT, Harvard Pilgrim and Aetna are three quality companies that are now available. These companies have innovative products that help reduce the cost of health care while providing quality coverage.
Group Health Insurance
Rocky Hill Chamber companies that have over 10 employees there is a new way of offering health insurance. Level funding plans are available. These plans can provide competitive benefits with the possibility of receiving a credit towards next year’s premiums.
Group Life Insurance
You have worked hard and sacrificed to give your family the quality of life that they now enjoy. Does your current strategy provide any protection for these possible outcomes? With help from the Rocky Hill Chamber of Commerce your life insurance policy can provide you with income if you live too long or pay your loved ones a benefit if you die too soon or provide a benefit if you become chronically ill.
Group Dental Insurance
Partnering with the best in the business, Chamber Insurance Trust is able to offer 2 distinct dental programs. Whether your company is the size of 1 or 1000, we have the right dental product for you.
Group Short & Long term Disability
Rocky Hill Chamber members can benefit from Group Short and Long Term Disability.
Health Reumbursement Arrangements (HRA)
Save money and give your employees a tax break
If you’ve found your business priced out of the insurance market, the Defined Contribution Employer Health Benefits Solution provides an affordable alternative:
• Choose to contribute as much or as little as you like to the cost of employee health care — from $0 to full funding.
• Set your contribution amount (if any), which doesn’t change unless you choose to change it.
• Deduct 100 percent of your contributions (if you choose to make them), lower your FICA liability and increase your staff’s take-home pay by reducing taxable wages.
Take advantage of maximum flexibility
If you do choose to contribute to coverage, we can help you define benefits classes for your employees. This will help you better target your investment in employee benefits:
• Employees work directly with Chamber brokers to choose a plan design and enroll, and your payroll system handles deductions.
• You choose your contribution amount for a predictable cost of doing business.
• There are no minimum participation requirements, and you can offer the Defined Contribution Employer Health Benefits Solution to full-time and part-time W-2 employees and 1099 contractors.
Individual Health Insurance
The Rocky Hill Chamber of Commerce, administered by Chamber Insurance Trust, have developed an exciting new individual health program with Aetna for individuals and their families. The program is called Chamber One and is available to all Rocky Hill Chamber members.
Individual Life Insurance
With help from the Rocky Hill Chamber of Commerce your life insurance policy can provide you with income if you live too long or pay your loved ones a benefit if you die too soon or provide a benefit if you become chronically ill.
Hospital Indemity Plan
In today’s health insurance benefit designs many plans have a hospital deductible. There is a reasonable option to help defray this cost. The Hospital Indemnity plan exclusively from Aetna and only available for Chamber member companies and employees, pays a set dollar amount to the insured if they are admitted to a hospital for 24 hours or more.
Vision Care, Dental, Short and Long Term Disability.
As a business owner and a Rocky Hill Chamber member you can also offer voluntary benefits. One or more of your employees can choose to enroll in Vision care, Dental, Short and Long Term Disability.
Medicare Advantage plan (65+)
For your employees that are over 65, Medicare Advantage plans are available.
These are a few of the products that because of your membership in the RH Chamber are available to you and your employees. Now is the time to see how these and other benefits can make a difference.
or for information call: 860-721-1400 or email: info@LuczakIns.com