The high costs of insurance can have a significant impact on the sustainability and viability of your business. Additionally, private sector employees seek out attractive workplaces that offer competitive salaries and benefits. In order to attract and retain quality employees, the types of insurance you offer should be a priority consideration in your business model. Fairview can help you design a superior employee benefits program that can be a valuable resource in developing and growing your business in today’s fast- paced business world. Fairview’s flexible employee benefits program includes coverage for the following insurance needs: • Health Insurance, helping you design a group insurance plan that can include major medical, dental, vision and prescription coverage. We work with you to determine whether to offer traditional indemnity plans, managed care plans, or both. Additionally, we analyze your needs and budget to formulate cost sharing measures between you and your employees; a “cafeteria” approach that provides adequate coverage while saving you money. • Disability Insurance, which provides short- and long-term disability coverage to employees who are unable to work. Fairview will help you find affordable disability insurance programs that provide important protection in unfortunate circumstances. This income protects your employees by providing income if they cannot perform their job duties due to disability. • Life Insurance, to ensure your beneficiaries and those of your employees are protected in the most cost-efficient manner. Life insurance is also an important business tool as many succession and planning strategies are funded by this type of coverage. • Long-Term Care Insurance, to assist in covering the high costs of long-term care in a nursing home, assisted living facility or home that are not typically covered by health insurance. Employers who offer long-term care insurance are also eligible for tax advantages that can save you money.

Let one of our Insurance Specialists help you get started on your way to savings. Jackie Ortiz 973.559.5114 jortiz@fairviewinsurance.com

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