A vital aspect of any company's employee benefit programs is all the other possible lines of insurance in addition to health. Employers are finding it harder and harder to attract and retain the best talent; one of the main reasons is the benefits that are offered. 

Dental, vision, life, disability and other lines of insurance and benefits are more than just expenses to an organization. They help attract and retain talent. Usually the more benefits, the happier and more appreciated employees feel according to the Bureau of Labor Statistics in Forbes Magazine

At Radwick & Lightle we leverage our relationships in the marketplace to ensure our clients receive the best rates and coverage. We also try to bundle as many lines of coverage as possible to get multiple-line discounts.

Types of Insurance: 

  • Dental PPO/DMO
  • Vision
  • Short-term disability
  • Long-term disability
  • Life & AD&D Insurance
  • Critical Illness
  • Executive Benefits
  • Voluntary Benefits

More than just installing benefits we ensure to review:

  • Dental Inurance
    • Classification of services ensuring you get what you pay for
    • Largest network 
    • Cost saving options such as DMO dental
    • Adult & child orthodontia 
    • Waiting periods for late-entrants or enrollments
    • Out-of-network benefits
  • Disability Insurance
    • Waiting periods
    • Definition of disability
    • Income test
    • length of benefit
    • EAP
    • Benefit maximums includes top earner salaries
  • Life Insurance
    • Accelerated benefits
    • Multiplying benefits
    • Making available voluntary increases available
    • Portability for employees
    • Adequate coverage amount