EMPLOYEE BENEFITS

The employee benefits programs encompass an array of products. The role of the New World Associates Professional is to capture the competitive nature of each product, locate the products that best meet the clients' needs and present a program that renders the most effective outcome. Designing a benefit program can be difficult. There are many products and services available from insurance companies, service oriented companies, and management organizations. New World Associates professionals are experts at delivering these services, organizing the designs and presenting programs that ensure premium dollars reach their full potential

Services Offered Include:

• Fully Insured Medical Health Plans from all national and local carriers

• Health Savings Accounts (HSA)

• Cost sharing medical plans

• Life Insurance: Group Plans & Voluntary Plans

• Retirement planning

• Long Term Care

• Life Insurance: Group Plans & Voluntary Plans

• Living wage benefits & programs

• Self-Funded & Reinsurance

• Health Reimbursement Accounts (HRA)

• Flexible spending accounts (FSA)

• Dental insurance

• Disability Programs: short & long term

• Colonial Life

• AFLAC's World of Products

• Professional Employee Organizations

• Individual Sole Proprietors

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• Medical treatment, wage replacement, and rehabilitation services

• Employees are entitled to benefits even if their injury was partially their fault

• Employees must report their work related injury or illness to their employer promptly to initiate the workers compensation claim process

• If a work-related injury or illness results in permanent impairment, workers may be entitled to permanent disability benefits in New York

• Covers medical expenses related to the injury or illness, including doctor visits, surgeries, medications, and therapy

• Workers who are temporarily unable to work due to a work-related injury or illness may be eligible for temporary disability benefits, which provide a portion of their lost wages

• New York's workers' compensation system also includes provisions for vocational rehabilitation services to help injured workers return to suitable employment if they are unable to return to their previous job

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• Offers protection against third-party claims for bodily injury, property damage, or personal injury

• It covers legal expenses, medical bills, and settlements or judgments resulting from accidents on business premises or due to business operations

• It is essential for businesses to mitigate financial risks associated with lawsuits.

• It typically covers incidents such as slip-and-fall accidents, property damage caused by business operations, or advertising injuries like defamation or copyright infringement.

• Coverage extends to a range of industries and businesses, including retail stores, restaurants, contractors, and professional services

• Policies may also include additional coverages such as product liability or completed operations coverage.

• Businesses often need to provide proof of general liability insurance to enter into contracts or lease agreements