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Employee benefits typically refer to a variety of plans that organizations offer to their workers. Some benefits may be fully funded by the employer, others may be partially funded or unfunded by the business.Employee benefit programs offer the following advantages:

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We work with a number of highly respected partners to provide the following employee benefits:

 

413-445-5626

bbkinfo@bbkinsurance.com

  • Health
  • Life
  • Disability
  • Dental
  • Long-term care
  • Auto
  • Home

The Massachusetts health care reform law passed in 2006 requires every resident of Massachusetts to carry health insurance coverage, with few exceptions. Employers with ten or more employees must participate in a health insurance program for their workers. Organizations with fewer employees my provide a health insurance plan, but are not required to do so.

 

The current health insurance system offers many plans and options, for both individuals and employers. As an independent agent, we are here to help you compare health insurance options and put together a program that maximizes value for your business and your workers.

Businesses often provide life insurance options for their workers. Life insurance is generally considered the cornerstone of sound financial planning. Yet, too often employees have inadequate or no life insurance. An employer-sponsored life insurance program can help workers provide income for dependents at a reasonable cost.


There are many life insurance programs for employers. As an independent agent, we are here to help you compare life insurance options and put together a program that maximizes value for business owners and employees.

Businesses often provide disability insurance options for their workers. The coverage can replace lost income when a covered individual is unable to work because of an accident or illness. It is a coverage that is difficult for individuals to buy on their own.

Businesses often choose to provide a dental plan for their workers. Good dental health is an important component of overall health since problems with teeth and gums can be an indication of other health problems. As the cost of dental care continues to increase, offering dental coverage as an employee benefit can be an attractive hiring advantage.


The current dental insurance system offers many plans with a variety of options for employers. As an independent agent, we are here to help you compare dental insurance options and put together a program that maximizes value for business owners and employees.

Long-term care is often thought of as a coverage for the elderly. In fact, long-term care insurance can be used by anyone who is impaired by illness or injury and needs assistance with the activities of daily life. As an employee benefit, workers can purchase long-term care insurance at a reduced rate.


There are a variety of long-term care insurance programs for employers. As an independent agent, we are here to help you compare the options and put together a program that maximizes value for business owners and employees.

While workers can buy auto insurance on their own, the primary benefit of an employer-sponsored program is reduced premium. The loss experience of the employee group is considered by the insuring company which generally results in lower individual premiums. Group auto programs often include payroll deduct options and on-site service representatives that simplify the auto insurance process.


We have extensive experience setting up and running group auto programs that provide numerous benefits for employees.

While workers can buy homeowners insurance on their own, the primary benefit of an employer-sponsored program is reduced premium. The loss experience of the employee group is considered by the insuring company which generally results in lower individual premiums. Group homeowner programs often include payroll deduct options and on-site service representatives that simplify the homeowner insurance process.


We have extensive experience setting up and running group homeowners programs that provide numerous benefits for employees.