OUR SERVICES

We proudly provide insurance and employee benefit services.

Group Health Benefits

When looking for health insurance for your employees, there is more to consider than simply major medical insurance. For example, most people do not realize that many conditions like heart disease and diabetes can be related to gum disease, and a dental insurance plan that offers significantly discounted cleanings can aid in encouraging the employees to keep their mouths and gums clean to help their overall health.

At Wall 2 Wall, we custom tailor a benefits package to fit your needs whether it be a simple medical insurance plan or a more comprehensive offering made up of dental, vision, life, disability, accident, or even cancer insurance, and many of these options can be offered on a voluntary basis with no contribution necessary by the employer. The benefit to the employee with group insurance are cheaper pricing, tax savings, guaranteed coverage, and additional benefit options not available to purchase on their own. On the other hand, the employer benefits from knowing the employees are adequately covered for any health risks they might experience and all premiums paid by the employer can be tax deducted.

Employee Benefits (medical, dental, vision, life and disability)

Employee benefits are non-salary compensation that can vary from company to company. Benefits are indirect and non-cash payments within a compensation package. They are provided by organizations in addition to salary to create a competitive package for the potential employee.

An employer has the option on whether to provide medical, dental, vision, disability and life benefits but Federal law requires employers to provide COBRA, Family and Medical Leave, Minimum wage, Overtime, Unemployment Benefits and Workers Compensation to their respective employees.

Wall 2 Wall Benefit Services will help you develop customized medical, dental, vision, disability and life benefit plans that fit into your budget. We represent many different insurance providers and will work to find you the best plans available with a wide range of deductibles and low-cost premiums. We’re your advocate, if you ever need help dealing with the health insurance company regarding claims, billing or need any assistance, we’ll be there for you!

Supplemental/Group Insurance

Supplemental group life insurance is any amount of additional coverage you purchase through your employer. We recommend that you opt-in for any amount of basic group life insurance that is provided, as it offers additional financial protection to your family without you needing to pay premiums.

Medicare Supplement Plans

Unlike original Medicare, a Medicare Supplement plan is offered through private insurance companies. These Medigap plans help pay some of the hospital and medical costs that Original Medicare doesn’t cover, such as copayment, coinsurance, and yearly deductibles. Wall 2 Wall Benefit Services can help you select the right plan for your needs that fits within your budget.

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Support Services

Benefit Support and Payroll Administration Services

Today’s competitive business environment demands that companies find better, more efficient ways to manage their employee benefits investment. And as businesses expand, merge, repurpose and reallocate resources, it’s more important than ever to optimize your workforce, keep accurate records, and improve administrative efficiency.

At Wall 2 Wall Benefit Services, our Benefits Support and Payroll Administration partners specialize in listening to your challenges and partnering with you to find and recommend solutions that work for you and stay within your budget.

Compliance/Cobra Services/ERISA

COBRA is the federal law that applies to employers with 20 or more employees. If you lay off an employee, you as an employer are subject to COBRA laws and are required to give laid-off employees written notice that explains their COBRA rights. The employee must decide whether to continue their health care coverage and notify you as the former employer of their decision within 60 days of receiving the written notice. Under COBRA law, the employee and their family have the right to remain on whatever health plan you as their former employer had provided for up to 18 months. The former employee must continue paying the full premium, which includes both the former employer’s share and the employees share plus a 2 percent administrative fee.

ERISA, which stands for the Employee Retirement Income Security Act, is a federal law regulating employer-sponsored group benefits. Nearly every employer, regardless of their size, is subject to ERISA if they offer even one employer-provided group benefit such as health, dental, vision, accidental death & dismemberment, disability, or group term life insurance; medical flexible spending account or health reimbursement account; wellness and employee assistance program; or any other benefit for which the employer contributes to the cost.

The employer is solely responsible for ERISA compliance. Penalties may be enforced for failure to comply with ERISA regulations, including DOL enforcement actions and penalties as well as employee lawsuits. Certain infractions can entail up to $100/day penalty for every employee that is affected by a violation until the violation is corrected. The penalty for late delivery of SPD or Wrap can be as much as $110/day per plan. Late filing of form 5500 can result in fines as high as $1,100 per day. The DOL estimate three out of four plans they audit have an ERISA violation, and about 70 percent of audits with violation have resulted in monetary fines to the employer. AUDIT PREPARATION Knowledge and familiarity of compliance requirements, complete documentation, and policies that show good faith efforts to comply are the best way to be prepared for an audit (as well as to avoid one in the first place). Wall 2 Wall Benefit Services can guide you and ensure you are within the compliance rules

S125/HSA/HRA/FSA

HSAs, HRAs and FSAs are accounts used to save on taxes and pay for qualified medical, prescription, dental and vision expenses. … HSA is health savings account. HRA is health reimbursement account or arrangement. FSA is flexible spending account or arrangement.

Wall 2 Wall Benefit Services works with Employers to create benefits programs consisting of health savings accounts (HSAs), flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), and other tax-advantaged benefits that make it easy for employees to manager their care – resulting in benefits adoption, higher satisfaction rates, and lower costs for Employers.

ERISA, which stands for the Employee Retirement Income Security Act, is a federal law regulating employer-sponsored group benefits. Nearly every employer, regardless of their size, is subject to ERISA if they offer even one employer-provided group benefit such as health, dental, vision, accidental death & dismemberment, disability, or group term life insurance; medical flexible spending account or health reimbursement account; wellness and employee assistance program; or any other benefit for which the employer contributes to the cost.

The employer is solely responsible for ERISA compliance. Penalties may be enforced for failure to comply with ERISA regulations, including DOL enforcement actions and penalties as well as employee lawsuits. Certain infractions can entail up to $100/day penalty for every employee that is affected by a violation until the violation is corrected. The penalty for late delivery of SPD or Wrap can be as much as $110/day per plan. Late filing of form 5500 can result in fines as high as $1,100 per day. The DOL estimate three out of four plans they audit have an ERISA violation, and about 70 percent of audits with violation have resulted in monetary fines to the employer. AUDIT PREPARATION Knowledge and familiarity of compliance requirements, complete documentation, and policies that show good faith efforts to comply are the best way to be prepared for an audit (as well as to avoid one in the first place). Wall 2 Wall Benefit Services can guide you and ensure you are within the compliance rules.

Every business owner could use a helping hand with the day-to-day operations of running their business and at Wall 2 Wall Benefits, we help you do just that. Whether it is running your payroll, a human resource issue, putting together an employee handbook, COBRA administration, or medical savings accounts (HSA, FSA, HRA), we can connect you with the experts to help you with your business.

If you are looking for an all-encompassing option, we are partnered with some of the top Professional Employer Organizations (PEO) that can take over managing the day-to-day operations of your business for you. But instead of a one size fits all model, Wall 2 Wall can also offer you a suite of options with multiple carriers that you can pick between. If you are just looking for someone to handle your payroll, we can do that. If you need access to human resource training, we can get you that. Or if you just need a benefits administration system to help with on-boarding new employees and enrolling them in your benefits, we have that as well.

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Business Insurance Services

When looking for health insurance for your employees, there is more to consider than simply major medical insurance. For example, most people do not realize that many conditions like heart disease and diabetes can be related to gum disease, and a dental insurance plan that offers significantly discounted cleanings can aid in encouraging the employees to keep their mouths and gums clean to help their overall health.

At Wall 2 Wall, we custom tailor a benefits package to fit your needs whether it be a simple medical insurance plan or a more comprehensive offering made up of dental, vision, life, disability, accident, or even cancer insurance, and many of these options can be offered on a voluntary basis with no contribution necessary by the employer. The benefit to the employee with group insurance are cheaper pricing, tax savings, guaranteed coverage, and additional benefit options not available to purchase on their own. On the other hand, the employer benefits from knowing the employees are adequately covered for any health risks they might experience and all premiums paid by the employer can be tax deducted.

Workers Compensation/General Liability

Wall 2 Wall Benefit Services works with you to ensure you are protected in the event of a General Liability Insurance or Workers’ Compensation claim. Unlike general liability insurance, worker’s compensation insurance is a state-mandated program that focuses on the needs of the employees when they get injured on the job. For example, if an employee slips and falls, you would file a worker’s compensation claim to pay for medical expenses and lost wages. General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Property Insurance

Insurance that protects the physical property and equipment of a business against loss from theft, fire or other perils; all-risk coverage covers against all risks; named-peril coverage covers only against specific perils named in the policy. Wall 2 Wall Benefit Services can help ensure your business is protected with the right coverage.