Group Benefits Fairfax VA | Group Benefits Washington DC

GROUP PRODUCTS

Group Health
HSAs/HRAs
Group Dental
Group Life
Group Disability
Group Vision
Group Long-Term Care
Voluntary Benefits
Retirement Plans
Key Employee
Buy-Sell Agreements

Group Health
Your employees are your most valuable asset. Keep them healthy and productive while keeping your costs contained. Whether you are looking for a more comprehensive plan, more competitive rates, or you are just beginning to set up benefits for your new business, BBG can meet even the most demanding group health needs. Not only do we represent every major carrier in the marketplace, we also have the expertise to offer incisive advice on which plans will best serve your company and employees. We will educate you on the seemingly endless acronyms such as PPO, HMO, POS, HSA, HRA, etc., and explain the “real” benefits of each so you can make a well informed decision. From plan design to administrative assistance to expedited underwriting, BBG is a trusted guide through the maze of business benefits packages.
Once your plan is in place, we provide dedicated support to help you with complex enrollment, billing and claims resolution issues. Decades of experience and extensive industry connections have given us the savvy and negotiating power to ease your day-to-day plan administration burdens. We do what we do best, leaving you more time to do what you do best.
All of our services are provided at no cost to you. And with just one click, you’ll not only gain access to expert advice, personal service and a comprehensive range of health plan options, you’ll be taking a critical step toward a healthier, more productive workforce.

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HSAs/HRAs
Health Savings Accounts and Health Reimbursement Accounts have generated a great deal of media buzz lately, becoming some of the most popular features in employee benefits packages. The combination of flexibility, control, and tax savings makes these consumer-driven health plans attractive to employees. There can also be a significant savings in premiums to offset the rising cost of health insurance to the employer.

Yet despite their popularity, a great deal of confusion still surrounds HSAs and HRAs. IRS regulations are only partly responsible. Further complicating matters is the fact that nearly every carrier offers their own version of these plans.

BBG can dramatically simplify these complex funding arrangements for you. Having thoroughly researched every available plan, we’ll explain your options and help you determine which, if any, of these plans best meets your needs. Click here to find out whether consumer-driven health plans are right for your company and your employees.

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Group Dental
Better smiles = better employees. Sound silly? Well case studies have shown employees who smile often work harder, are happier, more efficient and even have more drive! Give them a reason to smile, and a source to keep the smile glistening!

A great dental plan is often what sets benefits packages apart in the minds of employees. All too often, the savings to employees are not worth the cost of the plan. But quality dental coverage is available and probably more affordable than you think. Groups as small as two employees can enjoy big company benefits.

BBG maintains strong relationships with all the major dental insurers, most of whom have designated us a “preferred producer”. This designation allows us to offer plans that are not available through other brokers. It’s just one more advantage of working with a respected broker to develop your benefits package.

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Group Life
In the work place it is imperative that your employees are educated and shown the benefits of life insurance and related investment opportunities to care for their future as well as their family and loved ones.

Dealing with the loss of a loved one is difficult enough. You can provide your employees with the assurance that, in the event of their death, their families and friends won’t have to fear the associated financial burden along with their grief.

BBG’s extensive roster of carriers allows us to offer a seemingly endless array of coverage options. Offering a customized Group Life Insurance package shows your commitment to your employees and their loved ones.

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Group Disability
We don’t like to think about it, but it happens thousands of times per year. Employees become disabled. It is during these times that a disability policy makes these circumstances easier to work through by offering the employee and his family financial security during their time of tribulation.

Many employers don’t realize the value of a disability policy until they become disabled. Even one week of lost pay can be devastating to a family with bills to pay. Help give your employees peace of mind by providing them with disability coverage. Implementation of a plan will also assist in recruitment and retention of key employees.

BBG can help you understand the different levels of coverage available and determine what plan would best meet your needs. These plans can be employer paid or can be offered on a voluntary basis for employees to purchase through payroll deductions. You might be surprised at how affordable disability coverage can be and how eager your employees will be to sign up.

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Group Vision
BBG will help you find the right vision plan for your company, additionally, we might just find it in the health plan you already have. Many employers are unaware of the vision benefits included in their existing health plans. So our first step in meeting your vision coverage needs is a thorough review of your benefits package to determine whether or not additional coverage is necessary.

Your employees will appreciate a more comprehensive insurance plan that includes vision and other options, usually at minimal costs. They will feel appreciated, and in the long run will be happier, more productive employees.

BBG will analyze your insurance coverage to see if there are additional options that would enhance the overall impression of your benefit package, which has been proven to be a key factor for potential employees when choosing an employer.

At BBG, we deliver all the benefits your company needs… and nothing you don’t.

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Group Long-Term Care
Taking care of your employees is critical to every organization, but enabling them to take care of their families shows compassion, careful thought, and is the right thing to do.

Long Term care coverage give employees the peace of mind of knowing that their savings and other assets will be protected in the event that they can no longer care for themselves. These plans also typically allow them to provide for the long term care of a parent or spouse should the need arise.

The prospect of a disabling illness or injury can be a constant source of worry and stress for those without long term care coverage. Making it a part of your benefits package not only helps attract the best and brightest employees, it also helps retain them while boosting morale and enhancing productivity. You would be surprised to see just how inexpensive a Group Long Term Care plan can be!

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Voluntary Benefits
If you already have a Group policy in place for your employees, voluntary supplemental insurance gives them coverage for a wider range of needs… and gives you a less stressed, more loyal and more productive workforce. All at no cost to you.

Though it is 100% employee funded, voluntary supplemental insurance continues to be a popular option among employees, not only for the peace of mind it offers but for the convenience, as well. Employees are saved the time and hassle of shopping around for their own coverage, and premiums can be deducted through payroll. Some plans even offer high-level benefits with little or no medical underwriting. As an optional, employee-funded benefit, there’s no better way to protect your employees and their families, boost morale and contain costs. Click here to find out how BBG can help your employees obtain voluntary supplemental life insurance.

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Retirement Plans
In an increasingly competitive marketplace, recruiting the right people can make all the difference to your bottom line, your service rating and support. And the right retirement plan is a key factor in attracting key personnel.

BBG can help you gain and maintain your competitive edge with a retirement plan that not only serves the needs of your company and existing employees but also helps attract the top talent in your field. We can provide a comprehensive analysis of your current Retirement Plan, and/or help you identify which plan is right for you. Either way, BBG will give you and your employees a clear understanding of how your plan works. Then we’ll walk you through every step of the enrollment process and provide ongoing assistance with the servicing of your account.

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Key Employee
There’s one in every organization. The linchpin. The person without whom operations would come to a grinding halt… or at least a very expensive slowdown. Maybe that person is you. But no matter who your company’s key employees are, it makes sense to maintain life insurance on the people who are the lifeblood of your organization. In the event of a key employee's sudden death or disability, the Key Man/Key Employee policy takes effect, minimizing risk and enabling business to continue as usual.

BBG can help you protect the business you and your key people have built with affordable Key Man/Key Employee insurance. Click here to learn more.

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Buy-Sell Agreements
For a company with multiple owners, a buy-sell agreement can mean the difference between a difficult loss and a devastating loss. Should one owner or partner pass away, a buy-sell agreement guarantees a smooth transfer of ownership and control to the remaining partners. It also helps to ease what is typically a painful transition for surviving family members, relieving them of business responsibilities, ensuring fair compensation for their interest in the business, and expediting settlement of the probate estate. BBG provides expert assistance with funding buy-sell agreements… keeping business moving surely and steadily through even the most trying times. Click here to learn more.

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