Ancillary Benefits

Dental Plan Consultation

Strategic Business Services will continue to regularly market the dental benefits looking for additional way to assist in offering a cost effective dental program for its employees. We will help you choose the best dental program for your organization based upon essential procedures that promote optimal oral health. We will analyze all aspects of plan design to ensure optimal premium cost control while maintaining out-of-pocket limits. We will also work to effectively communicate how to take advantage of discounted fees.

Strategic Business Services will also continue to work to provide alternative option for funding and employee contributions. (Composite Pricing vs. EE/F vs. EE/E+1/F vs. EE/ES/EC/F)

Vision Plan Consultation

Strategic Business Services markets your vision benefits with all the vision insurance carriers to make sure that you have a cost effective comprehensive vision program. We work to guarantee that you have a high quality benefit program, quality service. With access to the largest network available of local neighborhood vision providers.

Life Insurance Consultation

Strategic Business Services has access to over 35 different life insurance companies. By requesting quotes from such a vast array of vendors we can guarantee that we can provide your organization with the most aggressive pricing and quality products. We will work with your organization to design a plan that best fit your needs. We negotiate on your behalf to make sure that all the plan provisions provide for secure and smooth transitions of coverage and will work to verify there are no gaps in coverage.

Strategic Business Services will help to design Voluntary plans that provide for your employees the benefit of buying life insurance for themselves and their dependents based upon their own personal needs and discretion, with no cost being passed along to you the employer.

Disability Plan Consultation

If you ask any financial planner what the most important insurance product on the market today is, they will say, "Disability Insurance." Why is this you might ask? It is because disability insurance was designed to replace an employee's income in the event of illness or injury. If you ask a workers' compensation company their thoughts on disability insurance and how it affects worker's comp claims, they will say, "A good quality disability program will cut down on claims in workers' comp and will have a positive affect on premiums."

Strategic Business Services can help you design the plan that makes the most sense given the unique structure of schools and their disability programs that are provided by the two different retirement organizations. We can structure a plan that only provides benefits during the waiting period for eligibility or we can provide a plan that will provide benefits in addition to those already provided. We can provide you with the flexibility you desire to offer an employer sponsored benefit or a voluntary plan that has little or no cost to the employer, but gives each employee the option to buy what suits their individual needs.

Cafeteria Plan Consultation

What is a Cafeteria Plan/Flexible Spending account (FSA)? An FSA allows employees to automatically set aside money from their paycheck on a pre-tax basis for healthcare and dependent care services. Then during the year, the employee can use that money tax-free to pay for healthcare or even dependent care expenses. The employee is happy because they get a straight pass through on the money they set aside. The employer is happy because they do not have to pay FICA taxes on the money that runs through these accounts.

Strategic Business Services will provide marketing services for your organization to make sure you are getting the most cost effective program available. While at the same time, we educate the employees through an annual enrollment process, explaining the benefits and cautions they should be aware of before participating in an FSA plan.

Voluntary Benefit Plan Consultation

Strategic Business Service is very active in helping our clients implement voluntary benefits. Voluntary benefits include worksite products such as Cancer, Accident, Life and Disability Policies, but also include products such as College Fund Plans (529 plans) and 403(b) retirement plans. We will work with the insurance committee to determine what plans make the most sense to offer and then we will coordinate and conduct group and individual meetings to educate and train the employee regarding their options. Strategic Business Services is here to help your employee with every benefit question or concern.