Employee Benefits

Group Health Plans

Hipskind Seyfarth Risk Solutions designs group health plans for employers of all sizes, recommending benefit plans to meet each individual business strategy. We obtain and analyze multiple quotes from only top Insurance Carriers utilizing a wide variety of innovative Product options.

Group Dental Plans

Providing a wide selection of quality dental plan options, Hipskind Seyfarth assists in the pricing and comparison of Traditional Fee-for-Service, Dental PPO and Prepaid Program options for employer groups, individuals and families. Hipskind Seyfarth assists in the pricing, selection, and implementation of a dental plan design to enhance any benefit program.

Vision Plans

Through Hipskind Seyfarth, find access to high-quality affordable vision plans that offer eye care benefits including; thorough eye exams, eye wear coverage, and large vision networks with top doctors and labs. Vision programs offer a wide variety of plan enhancements developed to promote eye wellness.

Short-Term & Long-Term Disability Plans

Hipskind Seyfarth offers a wide variety of short-term and long-term disability products from top rated insurance carriers, all tailored to meet the specific needs of employers. STD and LTD plans provide income when an employee is totally disabled due to illness or injury and unable to work. Hipskind Seyfarth customizes disability plans to provide effective disability solutions while building security for employers and employees.

(FSA)'s Flexible Spending Accounts

Hipskind Seyfarth offers and facilitates the implementation of Flexible Spending Accounts (FSA's) for employers looking to utilize the unique structure of an FSA as a health care benefit solution within their company. Healthcare FSA's are employer-established benefit plans that reimburse employees for specified medical expenses as they are incurred. These plans referred to as "Cafeteria Plans" or "125 Plans" are allowed under section 125 of the Internal Revenue Code. The employee contributes funds to the account through a salary reduction agreement and is able to withdraw the funds set aside for medical bills. Any funds set aside in an FSA escape both income tax and social security tax. Employers may contribute to these funds as well.

(HSA)'s Health Savings Accounts

Health Savings Accounts or (HSA's) were created by the Medicare Bill of 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis. Hipskind Seyfarth represents the top companies now offering these benefit plans and will assist employers and individuals in determining their suitability, as well as aid in the structure and implementation of an HSA plan.

Voluntary Products

Voluntary Benefit Policies allow employers an opportunity to offer additional benefits beyond basic medical insurance. Short Term Disability (STD), Long Term Disability (LTD), Life Insurance, Dental or Vision Plans are generally paid for through payroll deductions. Hipskind Seyfarth structures a large variety of voluntary products providing marketing material, enrollment forms, payroll stuffers and personalized administrative support.

Wellness Programs

Wellness Programs and Employee Assistance Plans (EAP's) are programs offered through employers to educate, motivate and empower employees to make healthy lifestyle choices. On-site health screenings, or programs directed at stress management and exercise, are just a few of the ways to address behaviors that impact health costs today. Hipskind Seyfarth assists in the selection and implementation of these health-promoting programs to assist you in a healthier workplace and lower health care premiums.