How satisfied are they with their HMO? Their dental plan? Their 401K? Finding out for real can be a daunting task, but if you think about it, isn't it really important to know?

Our expertise lies in being able to simplify the process - by working closely - closely enough to determine your "optimum configuration" - the best grouping of products and services available in the world that best suit your need - and benefit your employees.

Click on the products of interest to the left, or scroll.

GROUP MEDICAL PLANS
With Benefit Planning Services, you can tailor your benefit program to fit your financial needs, by selecting one, two, or possibly three options from our complete portfolio of managed care or self-funded plans. You can choose from a variety of cost-share options designed to meet your unique needs and provide optimum value.

GROUP LIFE INSURANCE
Benefit Planning Services offers a variety of life insurance options to complement your benefit program. Whether you require a flat benefit amount, one tied to your employee's salary, or a voluntary employee paid plan, we can help guide you in the decision process. We specialize in Business Continuation Planning such as Buy/Sell Agreements and Keyman Insurance. Benefit Planning Services also offers several employee supplement plans including Executive Bonus/Sec. 162, Split Dollar, and Deferred Compensation.

DENTAL INSURANCE
One of the most requested employee benefit plans in today's group marketplace is a comprehensive dental plan. No Matter what your budget, we can help tailor your plans to meet the particular needs of your organization. Whether you need a managed care PPO plan with an extensive nationwide network of dentists or a flexible preventative plan, Benefit Planning Services has the experience to guide you to the right plan design to complement your benefit program.

DISABILITY INSURANCE
As a business, have you considered the costs you will face if an employee becomes disabled? Salary continuation, lost or impaired productivity, hiring and training expenses are just a few of the costs incurred when an employee suffers a disabling injury or illness. Benefit Planning Services offers flexible plan design options, voluntary options, Overhead Expense plans, Business Continuation plans, and Key Person plans designed for your business size and budget.

INDIVIDUAL PLANS (employee supplemental plans)
If you are an individual that does not have access to employer sponsored benefits such as medical insurance, disability, long term care, or retirement planning, Benefit Planning Services can help navigate your search for the most competitive and comprehensive plan available to you. Many of the carriers with which we work offer individual plans and options tailored to meet your specific needs. Ask for our individual Benefits Specialist.

RETIREMENT PLANS
Benefit Planning Services has the knowledge and experience to help you decide on the right pension plan for your business. We can help you navigate the course in choosing the right retirement plan to suit your needs.

BUSINESS CONTINUATION
Business Continuation, commonly called a buy-sell agreement, is a legally binding contract that provides for the transfer of a business. A funded buy-sell is a contract whose economic obligations are "funded" in advance. Life insurance is one of the best funding vehicles for buy-sell agreements. Buy-sell funding is for the small business owner who wants to maximize the value of is or her business when the business is sold. At some time, retirement, disability or death of the owner will force a change in business ownership. Benefit Planning Services has extensive experience in business continuation planning and can help guide you through the process of choosing which type of buy-sell agreement is best suited for you and your companies needs.

LONG TERM CARE
Today, Long Term Care (LTC) insurance is becoming a standard part of executive retirement planning strategies. Businesses of all sizes know the competitive advantage of offering employee benefits like LTC. Recent tax changes have made LTC even more advantageous by allowing premiums to be deducted as a business expense. LTC is a smart way to preserve assets and plan for the future.

For more information call 1-800-378-7526 to speak with a qualified benefit planner.

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