Employee Benefits In today's highly competitive marketplace, it's becoming increasingly difficult for business owners to attract and retain top talent. Salary is no longer the sole compensation driver. Employees are also looking at an employer's overall benefits package and its potential to help address their real concerns of financially protecting their families in addition to adequately planning for retirement. You probably already have a standard benefits package in place, one that includes medical and dental coverage, disability income insurance, and a retirement plan. However, your competitors more than likely offer a similar benefits package. These days, employees are looking for benefit plans above and beyond the standard packages that most employers already offer. These benefits often provide the primary incentive for key employees to join and remain loyal to your company. Designing an attractive employee benefits package may seem expensive, but the tax considerations1 can help offset the overall cost, and its impact on current and prospective employees could be rewarding. Through our network of Financial Services Representatives, we can help you provide an attractive employee benefits package for the employees that are most valuable to the success of your company. Executive Benefit Programs We offer solutions that are designed to assist in recruiting and retaining executives, e.g. Executive Disability: additional disability income coverage needed by a highly compensated executive to achieve adequate income replacement in the event of a disability. Typically part of a nonqualified executive benefits plan. Consider a few of the following options for your employee benefits program. AnnuitiesEstablishing individual retirement arrangements funded by annuities is easy for a small business. Offering this type of benefit may help you retain and motivate your company's employees.Disability Income InsuranceProvide employees with income protection that supplements your company's group long term disability plan in the event of a disability.Executive Benefit ProgramsWe offer solutions that are designed to assist in recruiting and retaining executives.Executive Group Life InsuranceGain a competitive edge by providing valuable life insurance benefits to your executives and senior professionals.Long Term Care InsuranceHelp retain your employees and enhance your company's benefits while taking advantage of tax savings.Retirement PlansOffering your employees a retirement plan is a way to help them save for the future and is a great incentive as part of an employee benefits package. 1 The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. We are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.