Small Business Benefits

Why is it so hard to get great benefits and great service at a great price?

We know that changing your benefits is not only challenging because it’s disruptive but also because it requires a leap of faith. The benefits you currently have are known, as is the service you receive and expect. And how different can benefits be across different companies?

You’d be surprised.

From decades of experience working with small businesses, we have found that benefits can vary greatly from one insurance company to the next, both in terms of cost and features. We also know from experience that small businesses aren’t necessarily given the highest level of service across all brokerage firms.

Our process is better. Here’s why:

Reason 1: We get to know you and your business.
There are no two companies that work the same way, therefore no two companies should have the same group benefits plan. We get to know you and your business – what your goals are for your employees and your bottom line.

Reason 2: We research your current plan(s).
If you already have benefits for your business, we investigate those plans to see how we can offer any improvements. If we think that what you have works, we’ll tell you so – and explain why. But many times, companies have had the same benefits for a long time and haven’t realized that they could be much better covered.

Reason 3: We craft several options.
When making a change to your company’s benefits, you want to know that you’ve considered several choices. We put together several plans for each kind of coverage you want to offer, from several different insurance companies.

Reason 4: We thoroughly explain the options.
It’s not enough to provide you with a document and let you make a choice. We meet as many times as necessary for you to feel comfortable understanding all the choices.

Reason 5: We provide exceptional service, from application through installment and maintenance.
Once you’ve made your selections, we guide you through the entire process. Once you have your new benefits installed, we don’t leave – we are there whenever any issues come up, whether it’s a new employee coming on board or a question about an application.

Group health insurance, including vision and dental
With the Affordable Care Act (otherwise known as Obamacare), there is a whole new set of rules for your employee health insurance plan. New regulations mean new requirements and new paperwork, and if you own a small business, you probably don’t have a lot of extra time or resources to devote to figuring it all out.

With our years of experience and our continuous certifying, CCI Advisors has already helped many small businesses make the transition from the “old” ways to the new. In a constantly-shifting landscape, it’s important to find an expert who can explain everything you need to know to comply with Obamacare.

Group life and AD&D
Group life insurance is a relatively inexpensive and easy addition to any small business’s benefits package. By providing life insurance as a group, you can keep costs down and make employees feel valued without a huge expense.
Group disability (short-term and long-term)
Group disability income insurance provides an incredibly valuable benefit to your employees. Not only is it very cost efficient, but it also gives a benefit that employees are unable to purchase on their own: short-term disability insurance. For any kind of leave from work that falls between being home sick a few days and being out for a very long recovery, short-term disability coverage fills that gap for those times when there’s just not enough paid time off.
Group long-term care insurance
Long-term care insurance is incredibly important. It can also be expensive to own personally. For you and your employees who are looking to plan for possible long-term care needs, group insurance is a great solution. It is cost-effective and provides conversion options for employees who may leave. It’s the kind of employee benefit that will make your company look so much better than the competition.
Business succession planning
As a successful business owner, you are focused on creating value and growing your enterprise. It’s not that you don’t want to think about “what-ifs”; more likely, you don’t want to take the time to think about things as unpleasant as your succession plan.

However, without some kind of succession planning, the fate of your business is unknown. By working with a team that includes legal counsel and insurance specialists that can fund any kind of buyout situation, you don’t have to leave all your hard work to chance.

Executive compensation planning
Owning a business should be about your investment in the business, and how best to get maximum return on your investment. At CCI Advisors, we can work with you to create the best executive compensation for your situation.
Robin is excellent at determining the needs of both individuals and companies. Her follow-through, technical strength, and sincere desire to implement the appropriate systems for clients is superior. I have worked with Robin sharing marketing ideas, technical platforms, and advice. She is the consummate professional, and I hope to continue to exchange ideas with her in the future.
Deby Ross

Realtor, LHMS, CLHMS, Coldwell Banker Real Estate