Designed to meet the needs of brewery and distillery employees, Benefits4Brewers offers comprehensive coverage
options for today’s craft beverage industry. These plans are specifically designed with you and your employees in mind.
You may have heard a lot about the rates for individual plans on exchanges and group plans through the Affordable Care Act.
The rates continually increase and the benefits appear to get worse.
The ACA plans are what are called community rated. Plan rates are based on the entire population.
The thing about the craft beverage industry is that they are NOT representative of the population as a whole.
The craft beverage industry is mostly made up of younger people and, for the most part, healthier people.
Prior to the adoption of the ACA, all group plans were underwritten based on age and health of the members.
After much thought, we market plans that take advantage of the fact that you are, in fact, younger and healthier than the general population.
Our plans are underwritten. If you have a healthy group, your rates often will be 30% or more below those of the ACA and your benefits will be far superior*.
You can rest assured, though, that our plans are both ACA and ERISA compliant. We only use A rated carriers or better.
We also offer fully-insured plans for both large and small groups.
- Completely Flexible Plan Designs
- Cigna, Aetna, PHCS or No Network Coverage (see any provider)
- Deductibles from $0-$7150
- Coinsurance from 50% to 100%
- Teladoc Services - no copay
- Nationwide Coverage
- Out-of-Network Benefits Available at 90th Percentile or Greater
- Flexible Annual Maximums
- Flexible Deductibles
group life, disability, vision & voluntary plans
- Group Life
- Group Disability
- Both Employer Paid and Voluntary Benefits Available
We Now Offer Retirement Services!
401(k) plans and other retirement plans available through our partners.
Introducing Payroll Services!
Lowest rates available anywhere! (when included with Brewers Benefits Program)
Advantages to our program:
Production of IRS form 1094, 1095, 5500
Section 125 plans created (required if there is a cost share with employees)
Single billing is available for some multiple carrier combinations
ALL AT NO ADDITIONAL COST
Individual life planning and disability planning is also available.
In addition, we can provide for business succession planning whether there is one owner or more.
We work to try to limit the potential tax liability in instances of disability or death of an owner.
We work very closely with several attorneys and CPAs in most major metropolitan areas.
I also have more than a quarter century of experience in benefits and am a former accountant.
We will get you the right answers for your situation.
We offer products that can save our clients hundreds, if not thousands, of dollars per month.
We only use insurance carriers that are rated A or higher from several independent rating services.
We only enlist the aid of partners we have personally vetted.
Please complete the information below to arrange for a brief - no more than 15 minutes – initial contact.
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