Employee Health Insurance Taylor Benefits Insurance Solutions

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At Taylor Benefits Insurance Solutions, we understand the importance of providing comprehensive health insurance for your employees. This not only shows that you care about their well-being but also helps attract and retain top talent in a competitive job market.

With our expert guidance, you can choose from a range of health insurance plans that cater to different needs and budgets. We'll help you navigate the complexities of employee health insurance to find the perfect fit for your business.

By investing in your employees' health, you can also see a significant return on investment in terms of reduced absenteeism and increased productivity. This is especially important for small businesses, where every employee counts.

Types of Insurance

At Taylor Benefits Insurance, we understand the importance of having the right insurance coverage. We provide every employee with a Company paid benefit.

Our company offers a life insurance benefit, which is a great way to ensure your loved ones are taken care of in case something happens to you. Many of our voluntary plan offerings also include life insurance options with no medical exam required.

We also offer more than just life insurance, with a range of voluntary plan options available to suit your needs.

For another approach, see: Bcbs Blue Options Ppo

Health Insurance Options

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Health insurance is a vital benefit that can be a lifesaver, especially for veterans who can access better healthcare than the VA.

As a Taylor Morrison employee, you have the opportunity to prioritize your health and wellness with comprehensive coverage options.

With several Cigna medical plans to choose from, you can select the one that best suits your needs and budget.

Medical, Dental, Vision

Health insurance can be a lifesaver, as one veteran can attest. They're able to see providers that offer better care than the VA, allowing them to prioritize their health.

Taylor Morrison's insurance offerings prioritize health and wellness, with several Cigna medical plans to choose from. These plans provide comprehensive coverage, preventive care, and health savings options.

Delta Dental offers a comprehensive PPO plan for employees and their families, covering dental and orthodontics. In Florida, there's also a low-cost DHMO plan available.

The connection between oral health and overall well-being is clear. Many people recognize the value in solid dental care, which can lead to a brighter view of their health and well-being.

Here are some key benefits to consider:

  • Cigna medical plans offer comprehensive coverage and health savings options
  • Delta Dental's PPO plan covers dental and orthodontics
  • Low-cost DHMO plan available in Florida

What Is a POP?

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A Premium Only Plan is the most basic type of Section 125 plan and the most popular. It allows employees to pay their portion of insurance premiums with pre-tax dollars, reducing both the employer's and employees' tax liability.

This type of plan is a great way to save money, as it reduces the amount of taxes owed on insurance premiums. By paying premiums with pre-tax dollars, employees can keep more of their hard-earned money.

The Premium Only Plan typically includes benefits such as health, dental, vision, accidental death and dismemberment, and group term life insurance up to $50K.

Recommended read: Health Insurer Tax

Insurance Plans

It's clear that having access to better healthcare options is crucial for some individuals, such as veterans who may need to see providers that can offer more advanced care than the VA.

For those who rely on health insurance, having a plan that covers their needs is essential.

Disability Insurance

Disability insurance is a type of coverage that can help you financially if you become injured or ill and can't work.

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LTD insurance kicks in after a specified waiting period, typically after 3 to 6 months, and pays a set percentage of your regular income.

For example, if you're covered under LTD, it would start paying out after your STD policy is exhausted, allowing you to continue receiving pay at a fixed weekly amount or a set percentage of your income.

LTD policies can vary in length, some lasting between 2 and 10 years, while others continue paying out until age 65.

Long-term Disability Insurance

Long-term disability insurance (LTD) is a type of coverage that pays employees a set percentage of their regular income after a specified waiting period. This period can last anywhere from 3 to 6 months.

LTD insurance protects workers in the event they become disabled for a prolonged period prior to retirement. LTD policies can be offered through employers as part of a standard benefits package.

Some LTD plans may be limited to a period between 2 and 10 years, while others continue paying out until age 65. This means that workers can have different levels of protection depending on their specific policy.

Short-Term Disability Insurance

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Short-Term Disability Insurance can be a lifesaver if you're unable to work due to injury or illness.

STD coverage usually starts within one to 15 days of the event causing your disability.

This type of insurance allows you to continue receiving pay, either at a fixed weekly amount or a set percentage of your income.

The coverage can give you a financial cushion during a difficult time, helping you stay afloat until you can return to work.

For more insights, see: Bcbs Ppo Dental Coverage

Business Benefits

Employee health insurance and benefits are no longer just about providing a single traditional medical plan and a 401(k). The typical American family has changed, and employees now want multiple health plans to choose from to meet their unique needs.

Employees have two main goals: obtain financial security and meet the health care needs of their families. Salary is important, but so are the retirement and insurance benefits you provide.

Businesses must adapt to stay ahead of changing regulatory and compliance issues, while also providing greater support on the day-to-day management of employee benefit plans. This includes offering better retirement plans, voluntary benefits, work-life balance, financial planning, and wellness programs.

Here's a snapshot of what employees are looking for:

  • Multiple health plans to choose from
  • Better retirement plans
  • Voluntary benefits
  • Work-life balance
  • Financial planning and wellness programs

For Your Business

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In today's corporate world, business and human resource managers are being asked to do more to provide employee benefits that improve satisfaction and retention.

The typical American family has changed, and employees now want multiple health plans to choose from to meet their families' unique needs. They also want better retirement plans, voluntary benefits, work/life balance, financial planning, and wellness programs.

Employees generally have two main goals they seek to meet through employment: obtain financial security and meet the health care needs of their families. Salary is an important component, but so are the retirement and insurance benefits provided.

To stay ahead of changing regulatory and compliance issues, business and human resource managers need to be proactive in managing employee benefit plans. This includes finding ways to save the company money without reducing or eliminating benefits.

Here are some key benefits that employees are looking for:

  • Multiple health plans to choose from
  • Better retirement plans
  • Voluntary benefits
  • Work/life balance
  • Financial planning
  • Wellness programs

By offering a competitive benefits package, businesses can attract and retain top talent, improve employee satisfaction, and meet the changing needs of the modern American family.

Traditional Benefits

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Traditional benefits are a crucial part of any business's employee package. They provide a safety net for employees in times of need.

Disability income benefits can help replace a portion of an employee's income if they become unable to work due to illness or injury.

Dental and vision benefits are also essential, covering routine check-ups, cleanings, and eye exams to maintain good oral and eye health.

Critical illness benefits can provide a lump sum payment if an employee is diagnosed with a serious condition like heart attack, stroke, or cancer.

Supplemental health benefits can help cover additional medical expenses not covered by the primary health insurance plan.

Long-term care benefits can provide financial assistance for employees who need ongoing care due to a chronic condition or disability.

Accident benefits can provide financial assistance for employees who are injured in an accident, helping them cover medical expenses and lost wages.

Here are some examples of traditional benefits:

  • Disability income
  • Dental
  • Vision
  • Critical illness/dread disease
  • Supplemental health
  • Long-term care
  • Permanent care
  • Accident

Frequently Asked Questions

What is Taylor health benefits?

Taylor health benefits include comprehensive coverage for retirement, health, dental, vision, and disability insurance, as well as retirement savings options like 401k and HSA. Explore our benefits package to learn more about how we support your well-being.

How much does an employer pay for employee health insurance?

Employers typically pay between $7,034 for individual coverage and $17,393 for family coverage, covering 59-80% of healthcare premiums. This average cost varies depending on the number of employees and type of coverage.

Angie Ernser

Senior Writer

Angie Ernser is a seasoned writer with a deep interest in financial markets. Her expertise lies in municipal bond investments, where she provides clear and insightful analysis to help readers understand the complexities of municipal bond markets. Ernser's articles are known for their clarity and practical advice, making them a valuable resource for both novice and experienced investors.

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