For all your Employee Benefits,

We’ve Got You Covered.

At Semel Risk Consultants, we understand the needs and challenges of small businesses because we’re employers too. You work hard to better serve your customers, employ the best people and achieve your mission. As a small business and employee benefits insurance agency, we can help you build and protect your business by providing a wide variety of customized benefits solutions. We’ll support your company with your budget in mind.

When you purchase an employee benefits package from Semel, you can count on our industry knowledge. We’ll help you choose a package that will make your employees feel secure and protected. Some of the benefits we offer include:

  • Group health insurance

  • Dental insurance

  • Disability insurance

  • Life insurance

  • And other voluntary benefits

Call us today so that we can discuss your unique business needs.

employee benefits broker

Types of Employee Benefits

  • 401(k) Retirement Plans

  • Flexible Spending Account (FSA)

  • Group Dental Insurance

  • Group Disability Insurance

  • Group Disability Insurance

  • Group Health Insurance

  • Group Life Insurance

  • Group Long-Term Care (LTC) Insurance

  • Group Vision Insurance

  • Health Reimbursement Arrangement

  • Health Savings Account (HSA)

We offer a wide variety of employee benefits solutions, including group health, dental, disability, life, and other voluntary insurance benefits.

One of the changes we’ve seen as a result of the Affordable Care Act (ACA) is that employee health insurance for small businesses with fewer than 100 employees is rated as a pool based on age and gender. We can no longer negotiate better rates for small businesses based on wellness programs or overall health.

However, there are some things that small business owners can do to reduce their health care costs. You can join an association health plan, reduce coverage, or implement health savings accounts. In addition, we can help you shop around for the best prices available from all of our carriers.

Contrary to popular belief, the Affordable Care Act (Obamacare) does not require businesses to provide health benefits to their employees. However, large employers with 50 or more FTE employees may face financial penalties if they don’t make affordable coverage available.

As an employer, you are required to allow employees time off to:

  • Vote.
  • Serve on a jury.
  • Perform military service, including military reserves.
  • Take medical leave allowed by the Family Medical Leave Act (FMLA)

You must also:

  • Comply with all requirements of workers’ compensation.
  • Withhold payroll taxes such as FICA.
  • Contribute to state disability programs in certain states.
Though you must allow employees time off from work for the situations listed above, you are not required to pay employees for that time off.

The best place to start is with your health insurance plan. Select a plan that offers at least the minimum health care coverage at the best rates.

Choose the health care plan that offers your employees the best possible coverage amounts within a wide network, the least of out of pocket costs and deductibles, and the best perks for your employees and their families.

After that, look for other perks and benefits that you can afford, and that will be attractive to potential employees.

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