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FINDING THE BEST FOR YOUR EMPLOYEES & YOUR COMPANY
EMPLOYEE BENEFITS

A paycheck is not the only way employees are compensated. For that matter in some cases, employee benefits can be a larger motivator than pay. In today's market, benefits can help to attract a better employee who will be more loyal and invested in your business. Let us help you with the this important, complex , and often overwhelming process.

Employee benefits can encompass a myriad of different things from paid vacation, holidays, and sick time to health insurance and employee assistance program. All of this can be extremely confusing. Please give us the opportunity to us our expertise to make your business stronger.

Below a list of many common benefits. Many of these benefits can even be offered at no expense to the employer.

Health Insurance
Dental Insurance
Vision Insurance
Life Insurance
Long Term Disability
Short Term Disability
Long Term Care Insurance
Accident Insurance
Cancer Insurance
Flexible Spending Accounts
Retirement Plans (401K, 403B, TIAA-CREF, Simple, TSA)

PROTECTING YOUR INCOME FROM INJURY
DISABILITY INSURANCE

When most people are asked "What is your most valuable asset?" The most common answer is "My home" but in reality it is your ability to make a living. Without a regular paycheck, most families homes and their way of life are at risk within a sixty to ninety days on average. Let us help you protect you and your family from such a catastrophic event.

Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of your gross income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work. If you pay the premium the benefits are normally received free from income tax, if the premiums are paid by an employer, the benefits are taxable as ordinary income.

Disability Insurance makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market may not be the best investment. The financial stability of the company holding your disability policy is imperative to the ease of your payments of your claim. Please allow our expertise to guide you in making the best selection for your situation.

There are two primary types of disability insurance short term and long term. Each type can have different lengths of time for coverage, as well as being individual or group plans.

DENTAL INSURANCE
Dental insurance gives you the security to protect you and your family from unexpected dental expenses.  Dental insurance provides benefits for preventative care (up to 3 cleanings per year), restorative care, and even emergency repair. Selection of annual maximum coverage available and levels of coverage to fit your needs and your budget.

933 Falmouth Road ~ Route 28
Hyannis ~ MA ~02601
Office: 508-775-6010 or 800-241-4117
FAX: 866-554-0534
jgoldman@kcdfinancial.com
info@goldmaninsurance.com
Securities Offered Through: KCD Financial, Inc.
Member FINRA & SIPC

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 This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant. ~ Content copyright 2015. goldmaninsurance.com. All rights reserved.

This communication is strictly intended for individuals residing in the state(s) of FL, MA, RI and WA. No offers may be made or accepted from any resident outside the specific states referenced.
 


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