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 Employee Benefits 

We take pride in our wide selection of quality health plans and ancillary products.  All of the products we offer are from “A” rated companies.  Our 20 years of strong carrier relationships give our clients the most favorable results.  Whether you have two employee or two-hundred, we can deliver the most cost effective plan at the highest perceived value to your employees.

Medical Plans

  • Self-Funded Plans
  • Health Maintenance Organization (HMO)
  • Preferred Provider Organizations (PPO)
  • Consumer-Directed Health Plans (CDHP)

Dental Coverage
According to Employee Benefit Adviser, most people make a positive connection between overall good health and maintaining their oral health.  Those with dental benefits have a brighter view of their health and well-being in general.  Dental benefits may seem like just another expense, but the risks of not providing dental benefits could be more costly.  We can provide a top quality PPO with access to all providers or a less-expensive option, the DHMO with a select list of providers in your area.  Self-funding group dental using an experienced TPA makes sense for most employers with 50 or more employees.

Vision Coverage
To encourage your employees to have regular eye exams, consider offering vision insurance as part of your benefits package.  Many times, optometrists can detect conditions such as diabetes, hypertension and high cholesterol before your employee or his or her primary care doctor is aware of any such concerns.

Group Life Insurance
Life insurance isn’t a fun thing to think about, and it may seem like an unnecessary expense.  But if you have people that depend on you for financial support, then life insurance is really about protecting them in case something happens to you – your designated beneficiary would collect a financial benefit upon your death.

Group Disability Insurance
Disability insurance protects workers and their families against financial catastrophe by helping them meet daily expenses – bills, mortgages, and other expenses – and maintain their standard of living.  Disability insurance replaces a percentage of pre-disability income if an employee is unable to work due to illness or injury for a specified period of time.  Employers may offer short-term disability coverage, long-term disability coverage, or integrate both short-and long-term disability coverage.

Voluntary Benefits
Because of their cost-efficiency and portability, as well as their contribution to an employee’s work-life balance, offering voluntary benefits can become a central component of your company’s overall benefits strategy with help from these tools.  Choose from life insurance, disability, accident and cancer insurance.  Many plans have significant wellness benefits included.

Executive Benefits
Retaining top talent is a major priority for most businesses, especially members of the executive staff.  Executive benefits are designed to provide your top employees with a higher level of benefits and compensation, especially since 401(k)s restrict the amount of money an individual can contribute on a tax-favored basis.  Executive benefits can be designed to provide solid tax advantages for both employers and employees.

Key-Person Life and Disability Insurance
Most organizations employ at least one individual who is essential to the company’s success.  This person may be a partner, owner, majority stockholder or another individual who is crucial to the business.  If this person unexpectedly leave the organization – due to a death, disabling accident or an immediate resignation – it may be hard for the organization to survive without the person who makes the business run smoothly.  If your organization employs individuals who are vital to its success, key-person life insurance or key-person disability insurance can help protect your organization.  These insurance solutions can give your organization options other than immediate bankruptcy should you lost the key person or people without warning.

HR Support Center
We provide our clients with an online HR Support Program to help with all of your HR needs.

Whether you have two employees or 200, an insurance broker at Northrup Burdt Insurance Services can deliver the most cost-effective plan at the highest perceived value to your team!

If you have questions, or would like more information, please leave your name and contact information.

Northrup Burdt Insurance Services
4159 Misty Ridge, San Diego, CA 92130
Phone: 858-597-6700 | Fax: 858-597-6701

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