Business Solutions Insurance & Plans
PBS for Business
Business owners, CEOs, board members, and human resource directors carry an enormous responsibility when it comes to selecting cost-effective, comprehensive insurance benefits for themselves, their employees and their employees’ dependents.
With so many plan options and constant discussion about changing health insurance models, it can be difficult to know which choices truly save money – and which might unintentionally limit access to the care your employees need.
Even plans that appear similar on the surface can vary significantly in prescription coverage, creating real-life consequences for your staff. Likewise, a policy that looks excellent on paper may offer limited provider networks, leaving employees without local care options.
Since 1999, Professional Benefit Solutions has partnered with businesses to analyze workforce needs and build customized, cost-beneficial benefit packages that deliver real value. By working exclusively with trusted national insurance carriers, we use your company’s data to design solutions that provide the broadest possible coverage at the most competitive cost.
Plans for Employees
Health Insurance
Cancer Insurance
Disability
Dental
Vision
Key Person
Long-Term Care
125 Plans
Life Insurance
We’re there for HR and employees…
Professional Benefit Solutions understands that Human Resource Directors need a dependable partner to help manage and communicate health benefits. That’s why our team actively supports your organization throughout the year—not just at renewal time.
You’ll find our staff leading open enrollment sessions, assisting new hires with benefit enrollment, and answering employee questions about coverage and claims.
When employees begin planning for retirement, we meet with each one individually to guide them through Medicare enrollment and help coordinate benefits for younger spouses and dependents. We also work directly with your staff to ensure they understand and access optional protections, such as AFLAC cancer policies, through our trusted insurance partners.
Just as important, Professional Benefit Solutions continuously monitors your company’s aggregate insurance data and rebids plans as needed. This ensures you’re getting the most value from every health care dollar—maximizing benefits while maintaining cost efficiency.
Health Insurance
Professional Benefit Solutions will assist you identifying group Health Insurance plans in which your employees and their dependents may participate. Our comprehensive policies underwritten by stable insurers will give you confidence that your employees are offered the cost beneficial coverage that meets their actual healthcare needs.
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Cancer Insurance
A cancer diagnosis is not just emotionally devastating for the patient and their family. It is often a financially destabilizing event. Providing optional cancer insurance for employees and their dependents offers your staff the ability to protect themselves financially should cancer care be necessary.
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Disability
Professional Benefit Solutions will provide benefit options for your employees for income replacement through AFLAC should they experience a short or long period during which they are unable to work due to an extended illness or injury. These funds, paid directly to the employee, allow them to cover routine expenses or other health needs as they convalesce.
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Dental Insurance
Offering optional coverage for Dental Care for your employees and their dependents is often a great recruitment tool, which enables you to be competitive in attracting and retaining the employees you need to run your business efficiently and successfully.
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Vision Insurance
Whether it is contact lenses, glasses or even protective eyewear, making optional Vision Insurance available your employees and their dependents is one tool businesses use to recruit and retain the best staff.
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Income Protection Plans for Employees
Professional Benefit Solutions partners with businesses to design optional and à la carte insurance plans that provide employees and their dependents with vital financial protection when life takes an unexpected turn.
Income protection plans are among the most valued components of a company’s benefits package. From group life insurance and income replacement options such as Aflac, to long-term care coverage, these plans not only safeguard employees’ financial stability but also serve as powerful tools for recruitment and retention.
Many organizations also take advantage of Section 125 Tax Plans, which allow employees to pay for qualified health-related expenses with pre-tax dollars—an approach that benefits both employees and employers by reducing taxable income.
As with all of our services, Professional Benefit Solutions functions as an extension of your Human Resources department. Our staff provides benefit orientations during open enrollment, meets individually with employees and dependents to answer questions, assists with new hire enrollments, and offers personalized consultations for retirees.
Key Person
Each employee adds value and provides a key and important service to the employer. However, in every business (or even department), there is a “Key Person” who, if something were the happen to him or her, the business would struggle to operate and meet certain obligations. Key Person Insurance covers expenses related to the loss and replacement of a valuable key employee.
Long Term Care
What once was a little though of benefit for employees has come to be one of the most important in keeping families financially secure. Professional Benefit Solutions knows that the about 70% of Seniors will require nursing home, skilled care or home health care during their life times, and we’re here to help you choose the right LTC plan for your future.
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125 Plan
Professional Benefit Solutions will facilitate the management of your 125 Plan, assuring that your employees’ deductions are managed and that the processing of their qualified reimbursements go smoothly. This seamless management allows your employees to utilize this benefit without adding a management responsibility to your Human Resources staff.
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Life Insurance
Offering Group Life Insurance through your business is a cost effective way for employees and their dependents to gain a sense of security if tragedy strikes. As a benefit, Life Insurance becomes a dynamic recruitment and retention tool. We’ll help you determine what to offer and help your employees choose the right policy for their circumstances.
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For Human Resource Directors
Giles County Insurance – Professional Benefit Solutions helps business owners, human resource directors, and boards confidently select comprehensive, cost-effective health insurance plans for their employees. Partnering with the nation’s most trusted insurance providers, we ensure your team has secure, easy access to tools that help them track claims, understand benefits, and make the most of the coverage you’ve chosen.
Our commitment doesn’t end once a plan is in place. Professional Benefit Solutions continues to support you, your employees, and their dependents by providing assistance with account access, answering benefit-related questions, and identifying opportunities for employees to take full advantage of the benefits they’re already paying for.
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