health-ins
ACA Compliance

No employer wants to dedicate staff to do the necessary ACA reporting, and no employer wants to pay the substantial fines involved with ACA non-compliance.  We’ll help you with ACA reporting so that you can spend your time building your business.

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life-ins
Buy-Sell Insurance

One of the over-looked planning tools for partnerships and small businesses is Buy-Sell Insurance. Imagine what would happen if your partner died and you suddenly became partners with your ex-partner’s spouse’s attorney.  The solution is Buy-Sell insurance. The ex-partner’s spouse gets what they really wanted – a cash buy-out, and you got what you needed to effectively manage the business – ownership.

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dental-ins
Dental

Group Dental Insurance is one of the benefits most requested by employees, yet it is often overlooked by employers. Division 3 Insurance helps employers design dental programs that are affordable for the employer and appreciated by employees.  And with online enrollments and concierge customer service we take the work off of your desk and put it on ours.

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deferred-compensation
Deferred Compensation

All employers know about retirement plans such as 401k, defined benefit, and profit sharing.  But most employers don’t know about non-qualified deferred compensation plans.  If you are looking for a way to supplement retirement plans for key employees without having to worry about complying with ERISA discrimination testing, then a non-qualified deferred compensation plan is worth looking into.

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group-disability-ins
Disability

A long-term disability can be a catastrophe for both employees and employers.  Group Disability Insurance helps replace the employee’s lost income and can also provide services to help the employee return to work.  There is considerable flexibility in
designing a group disability plan, and with low-cost, tax-deductible premiums, group disability should be considered for almost any size company.

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FSA-flexible

FSAs

Flexible Spending Accounts (FSAs) allow employees to set aside a portion of their paychecks for healthcare and dependent day care expenses before taxes are calculated. For employees this means lower income tax on expenses that they are already incurring. For employers this means reduced payroll taxes, including Social Security and Medicare taxes.

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group-health-ins
Health

Health insurance is a vital employee benefit, yet how do employers manage the expense with healthcare costs that rise nearly every year?  Efficiency.  With online enrollments, Affordable Care Act analysis and reporting, concierge customer service, annual price analysis – Division 3 takes the insurance work off of HR’s desk so it can do its real job: build a company.

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key-man-ins
Key Man Insurance

Every successful business has certain people whose production is extremely important to the success of the company.  Those unique individuals are so important that they would leave a big hole in the company if they died.  That’s the purpose of key-man insurance: to give the business the financial wherewithal to weather the loss of the key-person and to help fund the search and ultimate replacement of the key person.

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Group-Life-ins
Life

Life insurance is an important part of financial security, and life insurance offered through an employer is often the only life insurance employees have.  There are many life insurance programs available to employers, including Group Life, Voluntary Life insurance, Supplemental Life coverage, Accidental Death and Dismemberment policies, and Dependent Life insurance. The premium paid for Group Life Insurance is generally a business deduction.

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Long-term-careLong Term Care

Here’s a surprising statistic: more than 40{d01dcb5f6df2ae21cf37043d2efb712eb0b241abbdeebb2355a8bdee9b30ca79} of people receiving long term care services are under the age of 65.  This is one of the reasons why long term care insurance has become a frequently requested employee benefit,

What does Long Term Care Insurance do? It helps people who need assistance with activities of daily living, such as bathing and dressing due to an accident or illness or because of advancing age.  There is no other type of insurance that helps people in these circumstances.

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group-vision-ins

Vision

A Group Vision Insurance plan is a valuable benefit for many employees, and attractive to employers because it is inexpensive. Benefits include coverage for eye exams and/or for frames, lenses and contact lenses.

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volantaryVoluntary Benefits

There are several benefits that an employer can offer his employees on completely voluntary basis, including critical illness insurance, accident insurance, life insurance, disability insurance, ID theft protection, legal services and even pet insurance.  The employer doesn’t pay for these, he simply makes them available to the employees.  It is hard to gauge which insurance benefits that are important to every employee, but by offering Voluntary Benefits you help offer the full array of insurance products.

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