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.

ZBS Employee Group Products

Below is a partial listing of the many services we offer. Insurance

  • Group Medical Insurance (fully insured and partially self-funded)
  • Group Long Term Care Insurance
  • Group Life insurance
  • Group Vision Insurance
  • Accidental Death & Dismemberment Insurance
  • Disability Insurance (short- and long-term)
  • Group Dental Insurance
  • Health Savings Accounts (HSA’s)
  • Health Reimbursement Accounts (HRA’s)

ZBS Administrative Services

Our job is to make your job of administering your company’s employee benefit program easier. Some of the services we provide include:

  • Advice and assistance on compliance with the Health Insurance Portability and Accountability Act (HIPAA); COBRA; ERISA).
  • Customize new employee benefit packets which detail coverage options and contain all pertinent directories and forms.
  • Up-to-the-minute information on local and national legislation that affects employee benefits.
  • Expert negotiations with insurance carriers for the best rates available for you and your employees.

Retirement Savings Plans

  • Traditional 401(k) and IRA
  • Simple 401(k) and IRA
  • SEP

Key Employee Insurance

  • Deferred Compensation
  • Executive Bonus
  • Salary Continuation
  • Split Dollar
  • Group Carve Out

Section 125 (Cafeteria Plans)

  • Premium Only Plan
  • Flexible Spending Plans (Voluntary Participation Plans)

Payroll Deduction Plans

  • Life
  • Disability
  • Long-Term Care
  • Hospital Indemnity
  • Annuities
  • Deductible Reimbursement Plans
  • Accident
  • Critical Illness