There are many reasons an organization will decide to offer a benefits package the most common reason is to attract and retain quality employees. Great benefit packages remain a top priority for employees when considering where to work. Increased awareness of voluntary supplemental products have allowed Employers who previously did not offer a plan to compete with larger companies for top talent.

According to a recent survey employer-sponsored health coverage premiums have rose 87% over the last 6 years. Employers recognize the value of voluntary benefits as a cost containment strategy to those increases. As well, these products have no direct cost to the employer. Employees embrace these types of plans because of there versatility to be tailored to the individual persons needs. Our clients report higher employee satisfaction, increased productivity and a competitive hiring advantage after establishing these types of programs. Many Americans have found themselves in financial crisis as a result of a serious illness or accident.

Current statics show that many Americans live pay check to pay check missing a week or more of work can be catastrophic to their financial stability. Because typically these policies pay cash directly to the policy holder, and in many case much more than a Short Term Disability policy would allow under Federal Law. Numerous of our policy holders have expressed that these policies where the only financial support they received while recovering from their debilitating event. It’s easy to see why so many Employers have made this a part of their benefit packages.

 CapStone Insurance Group with the Benefit Solutions Division offers a wide variety of options regarding Employee Benefits. We understand that the largest benefit any employer provides is employment itself. However, in today’s market attracting and retaining quality employees is a must for any size organization.   

Our services are always tailored to your unique needs. We provide complete enrollment of multiple benefit selections. As well as a full portfolio of Voluntary Employee Benefits. We can assist your organization with group health coverage through our partnerships with the leading insurance providers in the nation. 

Each enrolled employee will be provided a Hidden Paycheck analysis showing the true compensation that the organization is providing to the employee. Many of our clients have had a tremendous boost in job satisfaction once this information has been presented to it’s employees. In addition our clients have found our services have reduced their H.R. cost and have allowed their H.R. professional to concentrate on other priority issues.

When partnering with CapStone you will receive access to a valuable data base of Human Resource news and updates to keep you informed of the latest changes in the employee benefits arena.  Changes occur at a fast pace in this industry and we want to insure that your administrative staff is up to date on the latest laws, regulations, and options for your employees.  We have communications which will keep your Human Resources department up to date and ahead of the curve.  

Quick facts regarding Voluntary Benefits 

In a national survey shows that 80% of workers perceive voluntary benefits to be extremely valuable or valuable.
(AON Consulting, “What’s Hot and What’s Not in Voluntary Benefits,” 2006)

Employees prefer to purchase Insurance at work 2 to 1 Ratio.
(“2005 MetLife Employee Benefits Trend Study.”)

Americans spent more than they earned in 2005. The personal savings rate dropped minus 0.5%for the year, something that has not happened since the Great Depression.
(U.S. Dept. of Commerce, Bureau of Economic Analysis, February 2006)

44% of ALL U.S. households either don’t own life insurance and believe they should, or own life insurance and believe that they should own more.
(LIMRA Facts About Life, 2006)

Provided Services

Group/Individual MedicalLife InsuranceDisability Coverage

Cancer Coverage

Heart Attack/Stroke

Hospitalization

Limited Medical Plans

Dental/Vision

Medical Bridge

Executive Benefit Packages

Multiple Benefit Enrollment

Hidden Paycheck Analysis

Enrollment Analysis

Section 125 Pre-Tax Plan 

Human Resource Data Base

Human Resource Newsletter

Employee Appreciation Awards Program

Stay Fit Health Programs

Training on Current Human Resource Topics