Life & Health Insurance
We offer health insurance policies throughout New York State, including Buffalo, Clarence, Williamsville, Lockport, Akron and Alden.
We Know Your Employee's Health Is Important to You.
Our philosophy at EMS Financial Services is focus, accountability & passion. We believe by following this philosophy, in conjunction with fostering close working relationships with our clients, will enable us to deliver superior products & services that exceed expectations.
We are a hands on, customer focused and service driven team who are each empowered to provide the support necessary to ensure your needs are being met. We understand how important it is to provide quality employee benefits and services to your employees, which is why we work hard to provide them with the best benefit packages and options available.
- Health Reimbursement Arrangement (HRA)
- Health Savings Account (HSA)
- Flexible Spending Accounts (FSA)
- Health & Wellness
- Dental Insurance
- Vision Insurance
- Group Life Insurance
- Group Short/Long Term Disability
- Group Long Term Care
- New York State Disability (DBL)
- Employee Assistance Programs (EAP)
- Medicare Insurance
- 401k & Retirement Plans
- Human Resource Management Solutions Software
Before EMS Group starts quoting plans for its clients, we spend time and effort understanding client needs. In addition, EMS helps clients build competitive benefits packages by comparing the benefit features within their industry, geographic area, and company size.
Understanding Your Employee Group
A proper analysis of the cost for health insurance starts with a review of your coverage group. A document called a benefits census is commonly used to identify the gender, age, and coverage level (employee only, employee plus spouse, employee plus children or family) of each person in the group. This information allows bottom line comparison on pricing for both the employees and the employer.
According to the Society of Human Resources Management, group dental insurance is one of the must have employee coverages. Group dental frequently comes bundled with group medical coverage. However, it is also available on a purely voluntary basis in which the premiums are fully paid by the employee.
There are many forms of insurance. Some, like car insurance, only provide a benefit to the few people who have a costly accident. Some, like life insurance, typically don't provide a benefit for many years. Some, like medical or health insurance, provide immediate benefits, but can be very costly. Dental insurance is rather unique. First, its low cost makes it highly affordable for individuals and families. Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Finally, the price of maintaining a healthy mouth can cost hundreds ... even thousands of dollars. Should you ever need costly care, from filings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed. So, if you buy dental insurance, you will probably use it. And, like millions of Americans who have protection, you'll probably be glad you did.
Voluntary products are typically available at discounted rates as compared to products purchased outside of the work site. Premiums are payroll deducted by the employer, which makes paying for the coverage easier for employees since the cost can be spread out over the pay periods.
Our organization is proud to offer these products to help insure you are protected when it comes to the everyday risks you face in "your world".
- Voluntary Life Insurance
- Voluntary Disability Insurance
- Specified Disease Insurance
- Cancer Insurance
- Medical Bridge Insurance
- Voluntary Dental
- Accident Insurance
- Mini-Med Policies
Group Life and Disability
It is our mission to provide peace of mind when it comes to protecting what matters most to both you and your employees. We offer a wide range of products and services that your employees will both value and appreciate.
Life insurance coverage at economical group rates offers employees and their families vital financial security. Group life insurance coverage can be based on employee classification or salary as low as $10,000 per employee.
We also offer life insurance for individuals. Give us a call today to review the best options for your specific situation.
Accidental Death and Dismemberment
Included with life insurance coverage, Accidental Death and Dismemberment (AD&D) benefits are equal to the group life benefit for each insured employee. AD&D benefits are payable for death, dismemberment and loss of sight of an insured employee. There is a choice of non-occupational injury benefit and a 24-hour coverage only benefit.
Short Term Disability Insurance (STD)
Weekly Disability Income plans protect an employee's income in case of a short-term disability due to unexpected, non-occupational illness or injury. Options that are core components of the plan include: a benefit period, an elimination period, a maximum benefit percentage of salary and a maximum weekly benefit
Long-Term Disability (LTD) insurance is designed to replace a portion of an employee's income lost due to a prolonged disability. LTD covers both occupational and non-occupational injuries. Stahlka Agency's access to options allows groups to choose the core components of the plan: a benefit duration period, an elimination period, a maximum benefit percentage of salary, a maximum monthly benefit and an integration method. Optional benefits, including cost of living adjustments and survivor benefits, are also available.
New York State Disability
If you are disabled by an off the job illness or injury, New York State disability benefits insurance through the State Insurance Fund provides temporary cash benefits to eligible wage earners. Disabilities arising from pregnancies may also be covered. Typically benefits are 50% of gross salary to a max of $740 a month from day 8 to 180.
Beginning January 1, 2018, the New York State Paid Family Leave Program will provide New Yorkers job-protected, paid leave to employees to bond with a newborn child, newly adopted or foster care child, care for a loved one with a serious health condition or to help relieve family pressures when someone is called to active military service.
The benefit rate will increase to 55% of an employee’s average weekly wage to a maximum of 55% of the state’s average weekly wage, effective January 1, 2019. In addition, employees will have up to 10 weeks of paid family leave in 2019 (subject to the 52-week look back). For 2019, the state’s average weekly wage will be $1,357.11. Therefore, the maximum weekly benefit will increase to $746.41.
The employee contribution rate will increase slightly as well, from its current 0.126% of gross wages to 0.153% of gross wages up to the state’s average weekly wage, so that the maximum annual employee contribution will increase to $107.97 (about $2.07 per week).
Check out more information about Paid Family Leave and the impact it has here.
Health and Wellness
We utilize wellness and disease management programs based on the needs of your organization. We offer a full array of programs and resources that give you and your employees choices for living healthy and staying healthy.
With your assistance, we utilize employee surveys and/or Health Risk Assessments (HRA's) along with lab work and various screenings to gather information regarding areas of high utilization, and employee needs. We then work with you to design, implement and monitor a wellness strategy that best fits your organization and controls claims.
Some of these control mechanisms include:
- Disease Management
- Case Management
- Health Coaching
- Health Education Programs
- Smoking Cessation
- Stress Management
- Nutrition & Fitness
We can also help to develop a true Incentive Based program for you and your employees. These programs utilize the wellness data & "incent" employees through premium tiers to create and maintain good habits.
Additionally, we can provide your with assistance in applying for the new Wellness Grants provided in the recent Health Care Legislation. Open Communication between employer and employee, as well as client and insurance professional are imperative for successful benefit strategy for both the present and the future.
Thank you for your interest in Emerling Agency. Contact us today via email to talk with one of our professional health insurance agents or call us at 716-631-0190.