Benefits
Employee benefits are a critical recruitment and retention tool for your organization. We have helped make certain that employees at hundreds of companies and organizations here in the New York area and beyond are appropriately covered. Some of our clients have as few as two employees and others have thousands. Regardless of their size, these entities depend on Paston to furnish them with current, quality information along with a variety of services to help them better manage the complex challenges of providing benefits in the twenty-first century.
Health | Dental | Disability | Long-Term Disability (Group) | Disability Income | Long-Term Care | 401 K Annuities
Health
Are you providing your employees with the best medical benefits for the money? To effectively manage your benefits program, let Paston perform a comparative analysis to identify the coverage most wanted by your employees -- and most in line with your budget. Armed with the resources of the most respected insurance carriers in the country, our team members will work with you to analyze current group coverage, negotiate renewal programs and investigate alternative plan design and benefits structures and select the best programs for your firm and its employees.
Dental
We can provide you with individual, family and group coverage, ensuring the best preventive, basic and major dental care. Whether you need twice-yearly diagnostic checkups or extensive dental procedures, you’ll find Paston delivers the best dental policies at the best prices.
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Disability
Accidents and illness devastate families. Help your employees plan for financial security in the event of disability.
Long-Term Disability (Group)
Disability insurance ensures your employees receive adequate income if they can’t return to work due to a range of health issues - disease, injury, pregnancy or mental disorder. Disability provisions can also provide for rehabilitation services and incentives for employees to return to work. Paston agents are extremely knowledgeable of the complex options and benefit percentage choices. We’re ready to provide superior services in finding you ways to keep the cost of your coverage down while covering the majority of income protection options.
Disability Income
While Social Security disability payments can provide a disabled employee with a percentage of income, these benefits also come with strict guidelines. A disabled employee can wait up to a year to start receiving financial assistance. And the Social Security Administration denies a high percentage of workers applying for benefits. Providing your employees with this added protection – which can provide up to 100% or pre-disability earnings - can help them relax in the knowledge that their bills will be paid and they’ll have a roof over their heads in the event of potentially catastrophic health problems. Let Paston’s associates advise you on a policy for your employees. Your employees will thank you with higher levels of performance and loyalty.
Long-Term Care
You may not be aware that traditional health insurance and Medicare either don't cover long-term care at all, or only provide for limited services over a short period of time. As advances in medicine allow us to live longer, now is the perfect time to consider long-term care insurance. Long-term care can cover the costs of:
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Home-based assistance with bathing, dressing, and cleaning
Adult day care
Assisted living
Visiting nurses
Nursing home care
In-facility or at-home rehabilitation training
Cognitive impairment care for Alzheimer’s patients.
Paston's agents can work with you to assure that you, and your employees, can make the most of their retirement years even if chronic illness and age-related disabilities threaten to make those years less golden.
401 K Annuities
The baby boomer generation is approaching retirement age, and their main concerns often include whether or not they’ll have enough post-retirement income. 401K Annuities are becoming more and more popular, as new non-standard insurance programs allow you to bypass high fees and lock-in periods – basically functioning as an investment option with a 401(k) plan. Contact Paston to begin the process of providing yourself your employees "income for life" through a customized 401(k) annuity plan.