Health and Life

• Life Insurance
  Life insurance is one of the most common employer-provided benefits. It can be offered in a variety of ways. Employers may offer a term policy, permanent coverage or both. Cost-sharing also varies, as some employers cover the full cost, some require employees to pay the full premium and others split the cost with employees.
• Health Insurance
  Medical insurance is considered one of the most important employment benefits. Companies that offer group medical insurance plans in San Diego not only reap the benefits of a healthy workplace, but also gain the trust and loyalty of their employees, a long-term benefit that is well worth the price of an insurance plan.
• Disability Insurance
  Group disability insurance provides income protection for employees as well as cost-saving management strategies for employers. For employers, lost time on the job due to a disability can significantly impact workplace productivity and profitability. However, disability insurance provides partial replacement of lost income for employees while also covering overtime and costs of hiring replacements.
• Long Term Care
  If you or an aging loved one requires long term care, it can cost $40,000 to $100,000 per year or more. Spending that kind of money out of pocket can quickly bankrupt a family, and you may not be able to afford all of the care you need. Medicare does not cover most long term care costs, and Medicaid will not pay for costs until most assets have been exhausted. Even then, all expenses are not covered. This is where individual long term care insurance comes in.
• Dental Insurance
  Dental insurance compliments any group health plan, ensuring your employees’ access to good oral hygiene and general personal health. However, finding the right carriers and creating the best group dental insurance plans while staying within budget can be a struggle, causing small businesses to reduce dental coverage for their employees or omit it altogether. But many people make a positive connection between overall good health and maintaining their oral health.
• Vision Insurance
  Vision benefits are often overlooked in a typical benefits package, but they can be incredibly beneficial to employees. Offering your employees vision insurance can encourage necessary eye care and help supplement costs for vision needs. In addition, regular eye doctor visits can identify otherwise unknown medical problems, helping to lower cost and improve treatment when those problems are caught early on.

Business

• Business Insurance
• Workers Compensation Insurance
  At KingBenefits we have developed several partnerships within the Workers Compensation industry. Based on your size, industry, and service requirements we can find the best partner for your business.