employee benefits

Employee Benefits

When the unexpected occurs, the right group benefits coverage protects your employees while strengthening your business. Health, life and disability insurance ensure that your employees’ needs will be taken care of in the case of illness, injury or disability. And, as savvy business owners know, group benefits packages also benefit your bottom line; studies indicate that businesses that offer health coverage experience less turnover (2) and successfully attract and retain talented employees, both of which save you money.

Health Insurance and Group Health Insurance
Group health insurance ensures that your employees receive proper healthcare, a benefit that increases both morale and productivity. Whether they’ve got the sniffles or a more serious illness, health insurance coverage ensures that your employees can receive the medical care that they need to get better… and get back to work more quickly. The agents at Yorke Insurance Agency in Beaver Falls, Monaca and New Castle will work with you to find the right coverage for your business at a cost that meets your budget.

Disability Insurance
Though no one likes to imagine it happening to them, disability from illness or injury is a common occurrence; one in five people in the U.S. live with a disability, and almost 45 percent of those age 65 and older will experience a disability at least once in their lifetime. (1)
Whether permanent or temporary, disability impacts the ability to bring in wages, as well as the ability to pay for the personal care and rehabilitative services that often come hand-in-hand with a debilitating injury or illness. Fortunately, disability insurance provides a safety net that helps cover costs such as:

  • In-home assistance
  • Day-to-day living expenses
  • Rehabilitative care
  • Dependent care
  • Life Insurance

Life Insurance
For surviving family members, life insurance provides both financial protection and peace of mind. Group life insurance benefits offer a cost-effective way to take care of your employee’s families and help secure their financial future. Survivors may use life insurance policies to:

  • Cover funeral and probate expenses
  • Replace lost wages
  • Pay for dependents’ education
  • Reduce debt
  • Boost retirement savings

The agents at Yorke Insurance Agency can answer your questions about employee insurance benefits, including group health, disability and life insurance. Our three local offices serve residents of Ambridge, Beaver Falls, Cranberry Township, Ellwood City, Monaca and New Castle. Speak to an agent about your options or request a quote today.

Sources: (1) http://www.hhs.gov/od/about/fact_sheets/whatisdisability.html (2) http://hbr.org/2006/12/the-high-cost-of-low-wages/ar/1