EMPLOYEE Benefits – OUR SPECIALTY At Cottrell Insurance Services we specialize in quality employee benefits that bring value to our clients benefit packages. Our goal is to help our clients attract and retain the most employable, productive members of our community by using meaningful group health insurance plans coupled with voluntary or group supplemental benefits. As an independent agency we can offer customized benefit packages that provide employees the best possible total healthcare coverage. From fully insured and partially self-funded plans working with innovative carriers that not only have large local but also national physician and hospital networks. Our clients and their employees enjoy coveted benefits such as health, dental, long term care, group life insurance, business life insurance, disability, vision, retirement plans, Health Savings Accounts, Health Reimbursement Accounts, Flexible Spending Accounts and more. We believe in helping employees protect themselves and their families from the financial strain that a major illness or injury could bring. We offer a variety of group or voluntary supplementary insurance products from disability protection to catastrophic illness coverage. Policies can be tailored to each employees needs with premiums being paid by the individual and payroll deducted. Like most employers we are concerned about the escalating cost of healthcare. We take a proactive stance towards the healthcare cost issues facing people in the United States today (see our NAHU membership). We will research, present and implement creative strategies that effectively stabilize or lower the cost of healthcare and employee benefits. Request more information on Group benefits (Click Here) Group Health Plans When we begin working with new clients we learn as much as we can about their business and the markets they serve. We quickly but meticulously audit their existing plans and the employee census which will then provide us with the data we need to make the right recommendations. Our suggestions might include providing multiple plans for employees to select from and setting up programs to make it easier for employee’s dependants to find and apply for affordable individual health insurance coverage. Request more information on Group Health Plans(Click Here) Voluntary Supplemental benefits We offer many voluntary supplementary insurance products from disability income protection to catastrophic illness protection all on a payroll deducted basis that are solutions tailored to each individuals needs. We use carriers such as Aflac, Genworth, Allstate, Aetna and MetLife to help employees manage the financial risks associated with a long term illness or injury. Additionally and equally as important supplemental insurance can help with incidents as simple as the cost of in-patient or out-patient surgery and time off work for illnesses like pneumonia or influenza. Some of the programs we implement also provide benefit payments for maternity. Request more information on Voluntary Supplemental benefits (Click Here) Some of the products we offer are: Short and Long Term Disability Income Protection Life Insurance Hospital Accident Cancer Long Term Care Vision Dental Group Supplemental benefits Many employers are now looking to group supplementary insurance products from disability income protection to catastrophic illness to help protect their employees from the financial implications of health events. In some cases we can tailor plans to employees’ specific needs. We use carriers such as Aflac, Genworth, Allstate, Aetna and MetLife to help employees manage the financial risks associated with a long term illness or injury. Additionally and equally as important supplemental insurance can help with incidents as simple as the cost of in-patient or out-patient surgery and time off work for illnesses like pneumonia or influenza. Some of the programs we implement also provide benefit payments for maternity. Request more information on Group Supplemental benefits (Click Here) Some of the products we offer are: Disability Income Protection Life Insurance Hospital Accident Cancer Long Term Care Vision Dental