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 Employee Benefits
Hipskind Ltd. designs group health plans for employers of all sizes, recommending benefit solutions 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 for HMO, PPO, POS and Fee-for-Service as well as Managed Care Programs.
Utilizing a wide selection of quality dental plan options, Hipskind Ltd. assists in the pricing and comparison of Traditional Fee-for-Service, Dental PPO and Prepaid Program options for employer groups, individuals and families. Hipskind Ltd. assists in the pricing, selection, and implementation of a dental plan design to enhance any benefit program
Through Hipskind Ltd. find access to high-quality affordable vision plans that offer eye care benefits including: thorough eye exams, eye wear coverage, large vision networks as well as top doctors and labs. Vision programs offer a wide variety of plan enhancements developed to promote eye wellness.
Hipskind Ltd. offers a wide variety of short-term and long-term disability products from top 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 Ltd. customizes disability plans to provide effective disability solutions while building security for employers and employees.
Hipskind Ltd. offers and facilitates the= implementation of Flexible Spending Accounts (FSA)'s for employers looking to utilize their unique structure 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.
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 Ltd. represents the top companies now offering these new 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.
Hipskind Ltd. assists employers in determining appropriate pension plan options including 401(k) plans, (SEP) Simplified Employee Pension Plans, Profit Sharing and Money-Purchase Pension Plans. Plan regulations vary according to age and service requirements, covered employees, maximum allowable contributions and retirement benefits.
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 Ltd. structures a large variety of voluntary products providing marketing material, enrollment forms, payroll stuffers and personalized administrative support.
Wellness Programs and Employee Assistance Plans(EAP)'s are programs offered through employers to educate, motivate and empower employees to make healthy lifestyle choices improving their overall health and quality of life. 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 Ltd. assists in the selection and implementation of these health-promoting programs.
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