Core Benefits

Core Benefits

Health Insurance Plans

Spetner offers a broad range of health insurance plans. We help you choose the plan that best fits your company and your employees, not only today but as your company grows. Your plan can be customized through several funding options, including Traditional Funding (“fully insured”), Minimum Premium Funding, Administrative Services Only (ASO) and Stop Loss.

Disability Insurance

The best value in employee benefits is an employer paid disability insurance plan. Give your employees the peace of mind of knowing that, if they become sick or injured, you have provided them with an income to protect their families and their assets.

  • Short-Term Disability Insurance

Provides income to employees when they are temporarily off work because of an injury or illness that is not work related (usually less than six months).

  • Long-Term Disability

Provides income to employees in the event they are no longer able to work due to injury- related injury or illness for an extended period of time.

Dental Care

After health coverage, the most requested benefit by employees is dental care coverage. Spetner can help you secure a quality dental care program for your employees and their families. We work with a variety of insurance companies that offer dental products, which range from indemnity to Preferred Provider Organization (PPO) and Dental Health Maintenance Organization (DHMO). These programs provide access to highly qualified dentists who have practices in locations that are convenient to your employees. We will develop an affordable plan tailored to meet your needs and the needs of your employees.

Employee Assistance Program (Eap)

An EAP provides confidential counseling and referral services for employees and their family members. The EAP was originally developed in response to substance abuse in the workplace. Today it provides assistance with a wide range of issues, including stress, family and marital problems, parenting, elder care, illness, and bereavement care.

Term Life Insurance and Accidental Death and Dismemberment (AD&D)

Term Life Insurance is temporary insurance that provides coverage for a specified period of time. Term Life allows each employee to obtain large amounts of protection at an affordable price that keeps the employee’s family financially whole in the case of the employee’s death. Term Life is typically combined with AD&D coverage. AD&D provides coverage for the loss of life or physical abilities due to an accident.

Vision Care

Vision coverage offers professional vision care with access to thousands of providers, including private practice and retail optical providers. The plan includes routine eye exams, basic eyewear, and contact lenses.

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