Nesso Benefits Offers Employee Voluntary Benefits – Accident Insurance In CT

While employers aren’t required to offer employees voluntary benefits in Connecticut, many choose to do so to attract and retain top talent. There are several types of voluntary benefits available,…

December 5, 2022

Written by Justin Sloan

While employers aren’t required to offer employees voluntary benefits in Connecticut, many choose to do so to attract and retain top talent. There are several types of voluntary benefits available, which can make it difficult to decide which ones to include in your benefits package. In today’s competitive marketplace, offering a comprehensive benefits package is more important than ever. Fortunately, our team at Nesso Benefits is here to help.

At Nesso Benefits, we help employers in Connecticut offer voluntary benefits to their employees. We offer a list of options, and we can help you design a customized package that meets the needs of your business and your team members. We embrace a client-centric mindset, and we’ll put our decades of accumulated experience and knowledge to work for you. Contact us today to learn more about our services; we look forward to answering all your questions.

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Understand Our Employee Voluntary Benefits

Many employers offer EVBs, also known as “employee-paid benefits,” to their employees. Our EVBs are fringe benefits that employees can choose to purchase through payroll deduction, typically with the help of their employer. Therefore, the costs borne by the company are minimal. Employees can typically pay for our insurance policies with pre-tax dollars.

When you work with Nesso Benefits, we’ll have a first meeting where we’ll get to know all the relevant information about your company. We’ll ask you questions about the EVBs you’re currently offering and how your employees are using them. Based on what we learn, we’ll recommend adding or removing specific benefits in a way that works for everyone. If you agree, we’ll move forward and deliver an insurance plan custom-made to your needs.

We can include various employee-paid benefits, including the following:

Types Of Voluntary Benefits We Offer

Critical Illness Insurance

Our critical illness insurance is a type of insurance that helps to pay for medical expenses associated with a life-threatening illness, such as cancer, heart disease, stroke, and kidney failure. It can cover the costs of treatment, medication, and even lost wages. Critical illness insurance can help ease the financial burden of a life-threatening illness. It’s also a great way to protect your employees from becoming financially vulnerable during an already difficult time.

Hospital Indemnity Insurance

Our hospital indemnity insurance pays a set benefit amount for each day you’re hospitalized. This type of insurance can help cover the cost of deductibles, copayments, coinsurance, and other unexpected costs associated with being hospitalized. You may also choose to include coverage for the cost of lodging and transportation if you need to travel for medical treatment. 

Accident Insurance

Our accident insurance cautions employees in the event of an accidental injury. It can help to pay medical expenses and other costs associated with an accident. Accident insurance isn’t required by law in Connecticut, but it can be valuable to your health insurance policy.

Several types of accident insurance exist, but most of our policies will provide coverage for hospitalization, surgery, and rehabilitative care. Some may also provide benefits for lost wages and accidental death. At Nesso Benefits, we can help you compare different policies and choose one that meets your needs and budget.

Why Is Our Accident Insurance Important?

Many people think of health insurance and retirement plans when considering employee-paid benefits, but other types of benefits can be just as valuable. Our accident insurance can be a valuable safety net for injured workers on the job or away from work. As an employee in Connecticut, you may wonder if it’s worth signing up for accident insurance as part of your employer-paid benefits package. After all, accidents can happen anywhere, at any time – so why not be prepared

Here are a few reasons why our accident insurance is a smart choice for Connecticut residents.

  • Medical bills add up quickly after an accident – even if you have health insurance. Our accident insurance can help cover unexpected medical expenses, like ambulance rides, x-rays, and surgeries.
  • Additionally, our accident insurance can provide a financial safety net if you can’t work due to your injuries. That way, you concentrate on recovery without worrying about how you’ll make ends meet.
  • Finally, some of our accident insurance policies offer additional benefits that can be extremely helpful in the aftermath of an accident. For example, 24/7 access to nurses and counselors, coverage for child care and transportation costs, and more.

To sum it up, signing up for one of our accident insurance policies is a wise decision for any Connecticut resident – no matter where you work or your job. With coverage like this in place, you’ll be able to rest easy knowing that you and your family are protected in case of an unforeseen accident.

Reasons To Include Our EVBs In Your Benefits Package

Including our EVBs in your company’s benefits package can make a big difference. Here are a few reasons why:

Attract And Retain Quality Employees

In today’s competitive marketplace, quality workers are in high demand, and businesses must offer attractive health and benefits packages to lure them away from the competition. Our EVBs are an excellent way to do this, as they allow employees to tailor their benefits packages to their individual needs. Offering them can give you an edge in attracting and keeping the best workers. Quality employees often look for comprehensive benefits packages, and our EVBs can help employers provide them. Additionally, our EVBs can help employers control costs by shifting some of the cost of benefits to employees.

They Offer Tax Advantages

One of the biggest advantages of our employee-paid benefits is that they offer tax breaks for employers and employees. For employers, the benefits can be deducted as a business expense. Employees are usually exempt from income taxes. That makes them an attractive option for both employers and employees. Employers can deduct the cost of our EVBs from their taxes, and employees don’t have to pay taxes on the benefits they receive.

EVBs Offer Various Choices and Flexibility

We offer various types of EVBs, so employers can tailor their offerings to meet the needs of their workforce. And because employees pay for the benefits themselves, they can choose which ones they want to participate in. That helps ensure everyone gets the most out of their benefits package.

Help To Lower a Company’s Overall Healthcare Costs

While many employers offer health insurance as a benefit to their employees, the high cost of premiums can burden both employees and employers. Our EVBs can help you offset these costs.

In addition to being more affordable for employees, our EVBs can also help to lower a company’s overall healthcare costs by offering a wider range of coverage options. They can also help to reduce the number of claims filed against a company’s health insurance policy. As a result, they’re a win-win for both employers and employees.

Why Choose Nesso Benefits

There are many reasons to choose Nesso Benefits as your EVB provider. Here are just a few:

Experience

Our team accumulates decades of experience and knowledge. We’ve helped countless businesses of all sizes and industries with their employee benefits needs. We have what it takes to guide you through designing and implementing the right benefits for your business.

Customization

We understand that every business is different, which is why we offer customizable benefits packages. We’ll take the time to get to know your business and your workforce to design a benefits package that meets your specific needs. The last thing we want is for you to pay for benefits that your employees don’t even use.

Comprehensive Coverage

We offer a comprehensive range of coverage options, from health and dental insurance to life and disability insurance. We can help you find the right mix of coverage for your business. This way, your employees can feel confident that they’re getting the best possible benefits package.

Committed To Your Satisfaction

At Nesso Benefits, we pride ourselves on our outstanding customer service. Our team is always available to answer any questions you may have about our different policies. We also provide ongoing support to ensure your benefits package runs smoothly.

Nesso Benefits Helps You With Your Employee Benefits Needs

Employers in Connecticut aren’t legally required to provide their employees with these benefits, but doing so can benefit both the employer and the employee. You know that your employees are your asset as an employer. You work hard to attract and retain the best talent, and you want to do everything you can to keep them healthy and productive; that’s why it makes sense to prioritize health and benefits. On the other hand, employees can use these benefits to help protect themselves and their families from financial risks.

If you’re looking for help with your benefits package in Connecticut, Nesso Benefits should be at the top of your list. We offer a wide range of coverage options, including accident insurance, and can customize a benefits package to meet the specific needs of your business. As part of the Nesso Group, our goal is to help individuals and businesses thrive, alleviating stress and elevating their success. When you work with us, you know you’re in good hands. To get started, contact us today, and one of our representatives will be more than happy to help you.

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