Business Coverage |Employee Benefits

Malvern Insurance Associates provides a broad range of employee benefits

In addition to group health insurance, many employers enhance their employee’s compensation package by offering benefits such as group life, accidental death and dismemberment, short and long-term disability. Under Section 125 of the Internal Revenue Code, many times these kinds of programs can result in tax advantages for both employers and employees.

Health Insurance
What is consumerism? How does an HSA work? Or an FSA? How should I structure my employee contribution? How do I communicate my benefits so my employees understand their total compensation? What carriers are most aggressive with pricing? How do I compare their benefits? Is there another option for pharmacy coverage? We work with these questions and challenges every day so that when we sit down to discuss where you are we can help craft a realistic roadmap for where you want to go.

Dental Insurance
It's not just price – network access, reimbursement methodologies, and benefit structure are all key components. In addition, some carriers are providing value added benefits that offer significant enhancements to their core plan.

Life & Disability
Providing protection for the unanticipated is what insurance is designed to do for you and your company. Coverage for both your employee's and your key executives/owners are important to protect both your company’s and your staff’s future.

All of these products can be obtained in addition to, or exclusive of, a group health benefit package. If you like, one of our representatives can contact you to discuss exactly what kind of package would be best for your group. Malvern Insurance Associates is capable of shopping the market for the best carrier and product for your group based on your industry, age of your group and number of employees.