Employee Benefits

miami florida employee benefits insurance agency

Our employee benefit specialists are committed to working through the challenges to provide innovative solutions and expertise to meet the specific and changing needs in the area of medical, dental, life, disability and long term care insurance.  It is our priority to stay abreast of changing market trends and put together the right coverage with the right provider at the right price for our clients.  We assist our clients through the process of choosing their product, enrollment, billing and claims service.

Group Medical Insurance

We are authorized agents for most major local and national group health insurance plans. We offer a wide variety of plans including HMOs, PPOs, Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs). Our benefit specialists will customize the plan design to best meet the needs for you and your employees.

 

Group Dental

We offer affordable dental plans with great benefits that can be employer or employee paid. Kahn-Carlin represents many trusted insurers for both PPO and DMO dental plans. We pride ourselves on matching a quality network, quick claims service and a solid product that matches our client’s needs..

 

Group Life & AD&D

Employees consider group life insurance an important benefit. Millions of Americans are underinsured and this coverage is an affordable option for employers to offer peace of mind for employee’s families in the event of pre-mature death or accidental death and dismemberment. Coverage can be based on a flat amount for all employees, a multiple of earnings or a combination of both. We offer liberal levels of guaranteed issue coverage for groups with benefits that can be fully portable.

 

Group Long/Short Term Disability

Disability plans provide income replacement on a weekly or monthly basis and helps employees pay bills when they become disabled due to a sickness or non-work related injury. Long Term disability provides income where Short Term disability leaves off extending protection to Social Security Retirement Age. .

 

Life Insurance

Life Insurance provides protection for your families and/or your business’s future by providing peace of mind in knowing that the death of the insured person will not result in financial hardship for loved ones and lenders. Our life insurance professionals will help you select the right type of coverage and amount to protect you adequately. We offer both term and permanent life solutions. We also offer simplified issue individual life plans for up to $50,000 in death benefit.

 

Long Term Care Insurance

Long term care insurance is designed to help reimburse the cost of skilled or custodial nursing care in your home or in a facility. It provides a pool of money if you are unable to perform two of your daily living activities such as eating, dressing, getting in and out of bed, bathing or if you suffer from a cognitive impairment. We recommend that you review your options at an early age while it is cost effective due to age and health.

Our dedication to provide superior service to our clients speaks for itself as many of our customers have been partners with us for many years.   Please contact us to quote your business and allow us to be your partner for all of your insurance needs.  To obtain more information, please contact Laura Traeger ltraeger@kahn-carlin.com .