Employee Benefits for Long Island Employers

Medical coverage is the foundation of any benefits package. New York's community rating rules mean carriers can't price based on health status—but plan design, network, and funding strategy still make a huge difference. We offer PPO, HMO, EPO, and high-deductible plans from every major NY carrier. Strategic benefits planning helps you find the right balance.

Dental plans encourage preventive care and cover major procedures when needed. For Long Island practices—especially dental offices themselves—choosing the right plan requires understanding how networks and fee schedules affect your employees. Comparing dental plans can be complex, which is why having a local broker helps.

Vision coverage supports eye exams, glasses, and contacts—a simple benefit employees appreciate. Low-cost plans make this an easy add for most Long Island employers.

Employer-paid or voluntary, life insurance protects employees' families. Most Long Island employers offer 1-2x salary as a base benefit, with options for employees to purchase additional coverage.

New York requires statutory disability benefits (DBL) for most employers. Short-term and long-term disability replaces income when employees can't work. With the NY paid prenatal leave law adding new requirements, staying current on compliance matters.

Required for most NY employers. PFL provides job-protected paid leave for bonding with a new child, caring for a family member, or military family needs. The 2025 NY Paid Family Leave benefits increase affects both coverage and costs—Nassau and Suffolk employers need to budget accordingly.

Cash benefits paid directly to employees after an injury—on or off the job. Popular with active families and those with high-deductible health plans.

Lump-sum payment for major diagnoses like cancer, heart attack, or stroke. Helps employees cover expenses health insurance doesn't—mortgage payments, travel for treatment, lost income.

Helps employees cover deductibles, copays, and out-of-pocket costs that health plans don't fully cover. Especially valuable when paired with high-deductible plans.

Cash benefits for hospital stays, helping employees manage expenses beyond what medical insurance covers.

Employees set aside pre-tax money for medical expenses, and employers save on payroll taxes. Must be paired with a high-deductible health plan. With HSA rules evolving, we help Long Island employers stay ahead.

Pre-tax accounts for medical expenses or dependent care. Use-it-or-lose-it rules apply—FSA deadlines catch employers off guard every year. We help you and your employees stay on top of it.

Employees set aside pre-tax dollars for transit and parking—particularly valuable for Long Island employees commuting to NYC. Commuter benefits save money for both businesses and employees.

We don't sell retirement plans—that's your financial advisor's role. But benefits and retirement planning overlap. We work with your advisor to make sure your benefits strategy and retirement offerings align. Capital preservation matters for business owners and employees alike.

Minimum Essential Coverage (MEC) and Minimum Value Plans (MVP) help employers meet Affordable Care Act requirements while giving employees meaningful coverage. Important for Long Island businesses near the 50-employee threshold.

24/7 access to doctors by phone or video. Reduces urgent care visits and gives employees convenient care options—especially useful for busy professionals and families.

Plan documentation, filings, and disclosures are required for most employer-sponsored plans. ERISA penalties have increased significantly—we connect you with specialists to stay compliant.

Employee Assistance Programs provide confidential counseling and support services. Mental health coverage has become increasingly important—especially for younger employees who prioritize it when choosing employers.