We Make It Easy

We understand that coping with increasing healthcare cost can be a full time job—and a frustrating task! As an employer, you may not have the time to thoroughly review the ways of designing a plan to best fit the needs of everyone employed as well as fitting within the company’s budget. That’s our job. And we have the answers you need.

As employee benefits specialists, we’ve carefully researched and identified specific responses to resolve each of our client’s particular needs.

We’ll assist the employer with the enrollment process, employee terminations, eligibility, coordinating and performing claims investigations.  Employer Compliances have become increasingly worrisome for Employers.  We can suggest outside 3rd party companies that can provide your company the necessary ERISA requirements, Cobra or State Continuation requirements, FMLA if applicable and also offers FSA plans.  Sixty days prior to your company’s group health insurance renewal, we’ll begin the process of quoting alternative healthcare options with other carriers so you’ll have ample time to make an informed decision that relates to your company’s employee benefits. We’ll maximize the value of our client’s dollars and minimize the administrative time spent on employee benefits.

Employer-sponsored group health insurance is an increasingly important element in a comprehensive employee benefit package. Having a group health insurance policy attracts top quality employees, and offers better benefits than individual health insurance policies. Employer premiums may be tax deductible, and group health policies are guaranteed issue (from 2 to 50 employees if certain requirements are met).

Insurance is part of any financial plan. Life insurance, disability income insurance and long term care are ways of providing for yourself, your loved ones and your employees.

Life insurance, while typically used for protection for your loved ones to pay off home, debt, burial & medical expenses, can also be used as supplemental retirement planning or a funding vehicle for estate planning. Disability income insurance is an asset if the main breadwinner becomes disabled to supplement income lost during the disability of the insured who are unable to work. Long Term care insurance is also used for financial planning in order to not use all of your hard earned income or assets that you’ve achieved over the years to pay off expenses related to care that’s not typically covered by health insurance or Medicare.

What many people do not realize is that insurance policies and annuities, which are tax-deferred investments, can be an important part of your financial security. Memorial Financial Services Corp. makes it easy to integrate many types of policies into your strategic long-term financial plan.