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Insurance for Small Businesses

Insurance and benefits for your business including:

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Zinser Benefit Service – since 1976

Zinser Benefit Service: Employee Benefits, Group Health Insurance, Retirement Planning

Designing, implementing and overseeing an effective employee benefits plan can be an overwhelming venture — especially for someone who is dealing with other personnel issues. At Zinser Benefit Service, employee benefits are our business. Our job is to make your job of administering your company’s benefit program easier.

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  or learn more about Employee Benefits Plans

Employee Benefits Experts

Employee Benefits

Designing, implementing and overseeing an effective employee benefits plan can be an overwhelming venture — especially for someone who is dealing with a myriad of other personnel issues. At Zinser Benefit Service, employee benefits are our business. Our job is to make your job of administering your company’s benefit program easier.

Request a Quote

  or learn more about Employee Group Benefits

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Employee Group Benefits

Zinser Benefit Service, Inc. can help you create an effective benefit package for your employees. By offering a wide range of products and services, we can customize a program that works best for you and your company’s most important assets — your employees.

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Individual Insurance

Zinser Benefit Service provides a complete package of individual insurance and financial products including:

  • Medical / Life Insurance
  • Mortgage Protection
  • Long Term Care
  • Estate Planning

And many more solutions to meet your needs…

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What’s New

IRS issues guidance on W-2 reporting

On January 3, 2012, the IRS issued additional interim guidance on the W-2 reporting requirement that is part of health care reform. In this guidance, the IRS confirms that employers filing fewer than 250 W-2s are not required to report the value of health benefits. This guidance extends that relief until further guidance is issued.

Additionally, the release indicates that specialty coverage, if included with medical benefits, must be reported.

The guidance reaffirms that this is a reporting requirement only and does not impact employees’ taxable wages.

Questions and Answers:

Q:   Are specialty products, if offered as one plan to an employee, included in the W-2 reporting requirement?

A:    According to the latest guidance from the IRS, yes. If the products are embedded or provided together, the total must be reported.

Q:   How do contingent premium groups report the value of health benefits under the W-2 reporting requirement?

A:    Please refer any customers with this question to their own tax and/or legal advisers as we do not provide tax advice. The latest information from the IRS related to the W-2 reporting requirement can be found at http://www.irs.gov/pub/irs-drop/n-12-09.pdf and may provide additional guidance.

Small Business Insurance