Lighthouse HR can help you find benefits to protect your whole team

Group Benefit Solutions

Solutions for the Whole Team

The legislation governing group benefits constantly changes and keeping up with the latest requirements can seem overwhelming. We’re here to help you find affordable options that not only satisfy legal requirements, but also look out for your employees’ best interests.

Fit Your Group's Needs

You value your employees. Let’s protect them with competitive benefits packages. Group benefits are a powerful tool to improve employee retention and attract new talent. Choosing the right benefits can be challenging. Lighthouse HR Support can help you and your HR department find the right benefits for your organization. As an independent insurance agency, we partner with several top-rated insurance carriers that provide affordable and competitive benefits.

Affordable Benefits, Great Coverage - Lighthouse HR Support

Group Health & Welfare Benefits

Who says affordable group benefits can't also be competitive?

Other Benefit Options

We offer an array of group benefits that may be more affordable than you think.

Many employers today are seeking assistance in navigating current legislation governing health and welfare insurance benefits. Affordable options that meet legal requirements are available. We take the time to learn about your company and then provide possibilities based on:

  • Current employee demographics
  • Number of employees
  • We also provide benefits analysis for businesses with existing group health benefits. Growing companies may be eligible for lower rates through another carrier.

Today, business consultants indicate that for optimum employee recruitment and retention, a business should provide as many benefits as possible. We are aware that employers are looking for ways to provide "value-added" benefits to their employee benefits package in this competitive job market. Voluntary benefits answer this need with no direct cost to the employer. Businesses can offer many of these products to employees at low group rates:

  • Dental insurance
  • Vision coverage
  • Accident
  • Cancer
  • Critical Illness
  • Health & Wellness
  • Pre-paid legal
  • Pet Insurance
  • Short-term & Long-term Disability Insurance

For optimum performance, your employees need to feel safe and secure. You can improve employee morale by providing valuable group benefits and discounted rates. Contact us today to learn more about the array of available options.

Plan and Manage

Requirements are constantly changing, but rest assured we will help keep your benefit plans up-to-date. Our dedicated team stays on top of the latest changes and requirements, monitors your plan, and suggests changes along the way, so you always know your employees are protected. Our on-going services include:

  • Plan analysis & Design
  • On-going plan evaluation
  • Compliance & productivity audit
  • Utilization review
  • Overall plan management
  • Alternatively funded medical plans
  • Legislative updates
  • employee education

Get in Touch

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"ERI has been the Roaring Fork School District, RE-1 unemployment representative for many years. They have provided sound advice regarding unemployment issues and has saved the district considerable amounts of by ensuring we had to necessary tools to prevail in hearings. I would highly recommend their services."

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Frequently Asked Questions

What is a benefit package?

A benefit package covers the full scope of services, pay, insurance, vacation time and other perks available to an employee from his employer. The benefit package is seen as an incentive to attract and retain employees that meet an employer’s goals and reflect the company’s ability to pay for an extensive package of perks.

Deeper Definition:
Benefit packages may offer such things as a car allowance, cellphone, gym membership or travel reimbursements to lure top talent from around the world, but they usually start with health insurance for employees, and if possible, for their families. Sometimes, a health care flexible spending account is included. An FSA is an account that employees can contribute to tax free to pay for health care costs. In 2021, it is limited to $2,750 in contributions. In addition, long-term and short-term disability insurance as well as 401(k)s and other retirement plans are often part of a package of benefits. This may seem like a given, but paid time off is included in most employee benefit packages. That includes vacation, paid holidays and paid sick days. Some employers may also offer paid personal days and bereavement and funeral leave. To be sure, dental and vision plans are provided by many employers, but not as often as health plans. Other perks that aren’t provided as often are life insurance, tuition reimbursement, stock options (if the employee works for a public company) and yearly bonuses. Over time, an employee’s benefit package may change to reflect the person’s standing in the company or a revised employee contract. If and when employment with a company ends, many of the employee benefits will end and will be passed to the employee to fund. This is at the company’s discretion and may be negotiated before leaving the job. In the case of a company closing or ending its operation, all employees could be left without a benefit package.

Who is the typical Lighthouse HR Support client?

A business with at least 2 full time employees and up to 1000 employees.

What are the requirements for my business to apply for a group health plan?

Each carrier has its own requirements, but some general guidelines include: 

  • You must be actively engaged in a legal business.
  • You must have at least 1 non-relative employee eligible for coverage. 
  • Your insurance must not have been cancelled due to non-payment during the last 12 months. 
  • Be prepared to provide documentation such as Federal EIN, tax returns, and CO UITR.
Can I apply for insurance as a Sole Proprietor with no employees?

Yes, but your choices are limited to individual plans, and premiums are more costly.

What is a COBRA qualifying event?

A qualifying event is the loss of health insurance coverage because of one of the following events: 

  • The death of the covered employee
  • The termination of the covered employee's employment (except for gross misconduct)
  • Reduction in a covered employee's hours of employment
  • Divorce or legal separation of a covered employee from the employee's spouse
  • A covered employee becoming entitled to Medicare benefits
  • Loss of "dependent child" status under the terms of the group health plan
  • For some retirees and their dependents, bankruptcy proceedings of an employer under Title 11 of the U.S. Code

My employer went out of business. Can I get COBRA coverage? No. You can only get coverage from an existing plan. 

My employer has fewer than 20 employees.  Can I still get COBRA coverage? Yes. Employers with 20 or more employees are subject to Federal COBRA laws. Employers with 2-19 employees are subject to NYS “mini COBRA” laws.

Medical - You will find the monthly medical plan costs on At Your Service.

Dental - UC pays the entire cost of monthly dental premiums for you and your family members.

Vision - UC pays the entire cost of monthly vision premiums for you and your family members.

Flexible Spending Accounts - The Flexible Spending Accounts (FSA) allow you to pay eligible expenses on a pretax, salary reduction basis.  Dependent Care FSA (DepCare FSA) is for eligible dependent care expenses and Health FSA is for eligible health care expenses not covered by your medical, dental, or vision plans. You decide how much to contribute to your Flexible Spending Accounts.

Life Insurance – You pay for supplemental life insurance for yourself and your eligible family members. Premium is based on your age and annual salary. Use the Insurance Premium Calculator to estimate your premiums based on your salary.

Supplemental Disability Insurance - You pay for supplemental disability insurance for yourself. Premium is based on your age, your annual salary, and the waiting period you select. Use the Insurance Premium Calculator to estimate your premiums based on your salary.

Accidental Death & Dismemberment Insurance – You pay for the cost of this insurance for yourself and your eligible family members. See the Cost Chart for coverage and pricing options.
 Legal Insurance – You pay for the cost of this plan for yourself and your eligible family members. Click on Plan Costs to find the monthly premium for legal insurance.

Family Care - UC offers Bright Horizons Care Advantage™, a comprehensive web-based resource, to help you balance work and family responsibilities. The Bright Horizons Care Advantage programs — Sittercity, Years Ahead, BrightStudy and Bright Horizons preferred enrollment — provide information about pre-screened care providers and services so you can choose the solution that’s right for you. Click here to find more about Bright Horizons Care Advantage. Click here to find more about Bright Horizons Care Advantage.

Auto/Renter/Homeowner Insurance - UC employees have access to group rates for auto, renter and homeowners insurance through California Casualty. Employees deal directly with the insurer, and premiums may be paid through payroll deduction. For more information, contact California Casualty.

Business Travel Accident Insurance - When traveling on official University business you will be covered by ACE USA at no cost to you, but you must register to ensure coverage for each business trip. The coverage is worldwide, 24 hours a day, for a wide variety of accidents and incidents while away from the workplace. Click here to find out more information on UC Travel Insurance. 
Long Term Care – UC does not offer a long-term care plan.

Current Enrollments - Sign-in to UC Path to find your current enrollments and monthly deductions.

Total Compensation - The value of your UC employment goes beyond your salary. As a UC employee, you enjoy a full range of benefits, services, and programs. Use the Total Compensation Calculator to estimate the value of your total UC compensation.