Our Leading Employee Benefits
Discover Medical Insurance, Dental, and Vision – our top employee benefit offerings designed to promote the health and well-being of your workforce.
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“Hardworking in my corner”Thank you for working hard and being in my corner when I need help. Thanks guys at Breinholt Insurance.
“Highly recommend”Having someone as knowledgeable as Damon Breinholt advocate for you makes them an amazing value.
"Peace of mind"My insurance demand is difficult. Very few companies will write for it and if they do it is outrageously expensive. Devan and his team shops for me never taking the 1st offer. I don't know how he does it but he finds the best rate and then negotiates it down.I may not know until the last second but I know he and his team work long and hard and I have the best rate possible. I can always count on Breinholt Anderson for going the extra mile and providing an excellent level of customer service that seems so scarce these days!
Group Term Life
Insurance provided to groups of people. Involves the substitution of group selection, the use of experience rating, and the use of a master insurance contract. These aspects of group insurance yield lower administrative costs than would individual policies written for members of the group. Group insurance is commonly used to provide employees and members of associations with life, health, disability, dental, and similar types of coverage.
Voluntary Life insurance is a financial protection plan that provides a cash benefit to a beneficiary upon the death of the insured. Voluntary life insurance is an optional benefit offered by employers. The employee pays a monthly premium in exchange for the insurer’s guarantee of payment upon the insured’s death. Employer sponsorship generally makes premiums for voluntary life insurance policies less expensive than individual life insurance policies sold in the retail market.
Long-Term & Short-Term Disability
Disability – A condition that incapacitates a person in some way so that he or she cannot carry on normal pursuits. The definition of “disability” in disability income policies varies substantially and should be carefully examined. Disability may be total, partial, permanent or temporary, of a combination of these. In the context of the Americans With Disabilities Act (ADA), “disability” is a defined as a recorded or perceived physical or mental impairment that substantially limits one or more major life activities of an individual. [PLI XXI.B; CRM III.M; IWC XIII.H]
Flexible Spending Accounts
A flexible spending account (FSA) is a type of savings account available in the United States that provides the account holder with specific tax advantages. Set up by an employer for an employee, the account allows employees to contribute a portion of their regular earnings to pay for qualified expenses, such as medical expenses or dependent care expenses.
Worksite / Voluntary Benefits
Voluntary Employee’s Beneficiary Association (VEBA) – Established by employers under the U.S. tax laws as a pretax method of funding certain employee benefits. Like trust, once money is in a VEBA, it cannot be withdrawn, except to pay benefits.
Voluntary Market – A group of insurers who elect to write insurance in a competitive environment retaining the right to accept and reject business submitted. More specifically, the term also applies to the two types of mandatory insurance: automobile liability and workers compensation. In these instances, voluntary market refers to the insurers who provide coverage to desirable risks while rejecting the less attractive risks which must then be afforded coverage through assigned risk markets. [IWC Xii.J]
Employee Benefits Liability
Liability of an employer for an error or omission in the administration of an employee benefit program, such as failure to advise employees of benefit programs. Coverage of this exposure is usually provided by endorsement to the general liability policy but may also be provided by a fiduciary liability policy. [CLI VII.M]
Craft Your Ideal Employee Benefits Package
Elevate your employee satisfaction and loyalty. Contact us today for expert guidance in assembling a bespoke benefits package for your team.