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Our comprehensive employee benefits solutions are designed to meet the unique needs of businesses of all sizes within Virginia and North Carolina. Backed by extensive market research, we offer diverse product offerings that include medical, dental, vision, life insurance, disability, and worksite benefits. With streamlined enrollment and administrative services, plus advanced HR information systems, we make managing benefits simple, efficient, and tailored to your needs.
These services typically can be apart of any employee benefits packages.
Based on your company size, here are some example employee benefits packages that fit most of our clients’ needs. We can also custom build packages based on your specific needs. Set up a personal consultation with us today for more information!
Employee Benefits are a major asset to your company when attracting employees. Lavinder Group has the knowledge and experience to design and service a benefits package to fit your needs. These services can be incorporated into most employee benefits packages, no matter the size of your workforce.
Medical insurance provides comprehensive healthcare coverage, ensuring employees receive necessary medical services like doctor visits, hospital stays, and preventive care. It helps manage healthcare costs and offers financial protection against major medical expenses. Employers can choose between fully insured, level-funded, or self-funded plans to suit the needs of their workforce while maintaining cost control. Lavinder Group is available to guide you through your options in a personal consultation to find the best fit for your business.
Fully insured plans provide businesses with predictable premiums, as the insurance company assumes the financial risk for employee healthcare. Lavinder Group offers personal consultations to help you select the most appropriate fully insured plan for your company’s needs.
Level-funded plans combine the predictability of fully insured plans with the potential savings of self-funding, ideal for small to midsize businesses. Lavinder Group can provide a personalized consultation to help you explore whether level funding is the right option for your workforce.
Partially self-funded plans give large businesses greater control over their healthcare costs while utilizing stop-loss insurance for protection against high claims. Lavinder Group offers personal consultations to help you design a plan that aligns with your cost management and employee wellness goals.
Fully self-funded plans allow employers to take full financial responsibility for their employees’ healthcare, offering the most control over costs and coverage. Lavinder Group is available to provide personal consultations, ensuring you understand the advantages and risks of self-funding for your organization.
Dental insurance covers routine dental care, including cleanings, exams, and x-rays, as well as more extensive procedures like fillings, crowns, and orthodontics. Providing dental benefits supports employee wellness by encouraging preventative care, reducing out-of-pocket expenses, and promoting long-term health. Employers can offer competitive plans that enhance their overall benefits package. Lavinder Group offers personalized consultations to help you select the ideal dental plan that supports employee wellness and enhances your benefits package.
Vision insurance helps employees manage the costs of routine eye care, including eye exams, prescription eyewear, and corrective treatments like contact lenses or laser eye surgery. With regular vision check-ups, employees can maintain eye health and productivity. Offering vision insurance is a cost-effective way to improve overall well-being while reducing out-of-pocket expenses for employees. Lavinder Group can assist you in choosing a vision plan tailored to your workforce needs through a personalized consultation.
Life insurance provides essential financial security for employees and their families in the event of death. Offering a payout that can cover funeral expenses, debts, and lost income, life insurance ensures peace of mind and protection for loved ones. Employers can enhance their benefits package by offering basic life insurance, with options to increase coverage based on individual needs. Lavinder Group offers personal consultations to help you design a life insurance plan that ensures peace of mind for your employees and their loved ones.
Supplemental life insurance gives employees the opportunity to purchase additional life coverage beyond the standard policy. This added protection helps cover larger expenses such as mortgages, children’s education, or extended family needs. Employers offering this option provide flexibility, allowing employees to customize their financial security based on their personal circumstances. Lavinder Group is available to offer personal consultations to customize this option, ensuring it meets your team’s unique needs.
Short-term disability insurance offers income protection for employees unable to work due to temporary illnesses or injuries. Covering a portion of an employee’s salary during recovery, it helps employees stay financially secure without using up savings or vacation time. Offering this benefit ensures workers feel supported during unexpected health challenges, enhancing loyalty and morale. Lavinder Group can help you find the right plan through a personalized consultation, offering the security your employees need when facing unexpected health challenges.
Long-term disability insurance provides financial protection for employees who are unable to return to work due to severe, long-term illness or injury. This benefit ensures a steady income stream, helping employees cover ongoing expenses during extended periods of recovery. By offering long-term disability coverage, employers demonstrate commitment to their employees’ financial well-being and security. Lavinder Group is ready to provide a personal consultation to help you integrate this crucial benefit into your package.
Worksite benefits, such as accident, critical illness, and hospital indemnity insurance, provide employees with additional financial protection for unexpected events. These voluntary benefits help cover costs not typically included in core health plans, offering peace of mind during emergencies. Worksite benefits are a valuable addition to any employee benefits package, offering tailored coverage to meet diverse employee needs. Lavinder Group offers personal consultations to help tailor these benefits to fit the diverse needs of your employees.
Have questions? We answer some of your possible questions below, but please reach out to us if you have any others. Lavinder Group is happy to help.
Group insurance is a type of insurance coverage provided by employers to their employees as part of a compensation package. It often includes health, dental, vision, life, disability, and retirement plans. The primary benefits for employees include access to more affordable insurance options and broader coverage than they might receive through individual insurance plans.
We offer a variety of group insurance plans, including fully-insured plans, level funded plans, and self-funded plans. Each plan type has its advantages, and we work closely with employers to determine the best fit based on their budget and needs.
Worksite benefits, such as accident, critical illness, and hospital indemnity insurance, provide additional financial protection for employees. They help cover unexpected costs not typically included in core medical plans, giving your employees peace of mind.
Compliance with federal and state regulations, such as ERISA and the ACA, is crucial for avoiding penalties and legal liabilities. We provide support to ensure that your group insurance plan remains compliant with all relevant laws.
Educating employees about the benefits and options available to them is key to maximizing the value of a group insurance plan. We offer benefit administration and enrollment services, as well as HR support and employee assistance programs (EAP) to help engage and educate your workforce.
Yes, Lavinder Group offers a range of customizable benefits solutions designed to fit businesses of any size. Whether you’re a small, midsize, or large organization, we can tailor your offerings to meet your specific needs and goals.
COBRA allows employees to continue their health insurance coverage after leaving employment. Integrated COBRA administration ensures you stay compliant with federal regulations and makes it easier to manage ongoing benefits for former employees.
Premiums for group insurance are typically age related or underwritten based on the risk factors of the entire group, rather than on an individual basis. This can result in lower premiums and more comprehensive coverage compared to individual insurance.
