Employee Benefits are incredibly important to the American worker; so important, in fact, that if an employee is offered less money but better benefits by the competition, they will often move to the new employer.

A robust employee benefits program encompasses a variety of components designed to support employees’ health, well-being, and work-life balance, ultimately enhancing the overall culture of the company. By offering these benefits, companies can attract top talent, retain quality employees, and create a rewarding atmosphere that fosters loyalty and engagement. An effective benefits program not only meets the immediate needs of employees but also demonstrates a company’s commitment to their long-term success and satisfaction, ultimately contributing to a positive work environment and improved productivity.

Employer-sponsored health insurance is a cornerstone of any employee benefits program, providing financial security by covering medical expenses for employees and their families. This vital coverage not only fosters peace of mind among employees but can also reduce absenteeism and healthcare costs for the employer, creating a healthier workplace overall.

We understand that not every business can afford to offer health insurance, and that’s okay. The law only requires that companies with 50 full-time (or the equivalent to 50 full-time) employees must offer a health insurance benefit. Companies with fewer numbers are not required to offer a plan.

We offer our services as agents of S.H.I.E.L.D. Financial & Insurance Services at no cost. We can create a desirable health insurance plan for your employees, or we can help your employees get set up on subsidized plans, to make sure they have the coverage they need. It will give them peace of mind, knowing that their employer cares enough to help them be protected through health insurance. We have access to major carriers across multiple states. If you would like to explore your options, fill out our contact form or call our office at 801.209.9598.

Dental and Vision insurance contribute to the overall health and well-being of employees. Offering these benefits signals to employees that the company values their health beyond basic medical needs, which encourages routine check-ups and preventative care, thus enhancing overall employee satisfaction and productivity. Many employers offer these programs on a voluntary basis, but the employee gets access to group pricing.

Employee Assistance Programs (EAPs) further enrich an employee benefits program by providing support for a range of personal challenges, including mental health issues, financial counseling, and family matters. By offering access to EAP services, companies demonstrate their commitment to the holistic well-being of their employees, fostering a supportive culture that encourages seeking help when needed.

Supplemental insurance options, such as accident, cancer, or critical illness coverage, provide employees with additional financial protection and peace of mind. These benefits allow employees to customize their coverage based on individual needs, enhancing their sense of security while allowing employers to show a commitment to their diverse financial concerns. In general, supplemental insurance plans provide a cash benefit to the policyholder in the event that a covered individual experiences a covered medical event or procedure.

Access to legal assistance is a fast-growing employer-offered benefit. If an employee has some sort of legal issue, is given a speeding ticket or has issues with a landlord or neighbor, this voluntary benefit can give them access to legal counsel. For a small monthly fee, they can call and get legal counsel, get representation in court and get a basic living will or trust. By including such benefits, companies not only relieve the stress associated with legal issues but also foster a caring culture where employees feel supported in all aspects of their lives.

Health and wellness programs, including gym memberships, smoking cessation programs, and wellness challenges, cultivate a healthier workforce and encourage employees to prioritize their physical well-being. These initiatives not only lead to reduced healthcare costs but also promote a vibrant company culture centered on well-being and a shared commitment to a healthier lifestyle. Overall, a comprehensive employee benefits program plays a crucial role in creating a positive workplace atmosphere, enriching company culture, and ensuring employees feel valued and supported.

One of the best things an employer can do to help raise moral, improve productivity and employee efficiency is helping your employees understand money; how it works and how it can work for them. Achieving financial freedom often begins with getting out from beneath one’s own debt.

Credit card debt is at an all-time high. S.H.I.E.L.D. Financial & Insurance Services has partnered with Mozi Financial in an effort to help eradicate debt in the lives of our clients. We use a patented program known as Debt Free in 3 (or DF3) and have been helping our clients eliminate debt while not having to increase their income to make it happen.

If you have any questions about employee benefits and how they can best help you attract, retain, and reward quality talent, click on and fill out our contact form or call our office at 801.209.9598.