Employee Benefits
What You Need to Know About
Employee Benefits Insurance
Since 1956, RJ Ahmann Company has been a premier provider of employee benefits insurance nationwide.
Why are employee benefits important?
Employee benefits are a vital part of attracting and retaining competent and capable employees. A competitive and comprehensive employee benefits package raises employee morale and productivity. It also decreases turnover, employee complaints and absenteeism.
What are the key components of a strong employee benefits package?
A competitive and comprehensive employee benefits package starts with four key components: group health, dental, life and disability. From there, you can build on by adding vision, long-term care and additional benefits based on employee needs. To complete the comprehensive package, RJ Ahmann delivers a wide array of value-added services, including HR assistance, a legal hotline, custom benefit guides, wellness programs and COBRA assistance.
The most recent Chamber of Commerce study on employee benefits indicates that, on average, employee benefits account for 42 percent of an employee’s total compensation.
-U.S. Chamber of Commerce
Employee benefits contain four key components:
- Group health insurance provides protection for your employees and their families against financial losses resulting from accident- and/or illness-related medical bills.
- Dental insurance pays for normal dental care, as well as care needed as a result of an accident.
- Life insurance money paid to named beneficiaries when the insured person dies.
- Disability income benefits partially and sometimes totally replace the income of employees who are unable to work because of sickness or accident.
Additional benefits:
- Vision coverage provides benefits for maintaining eye health and discounts for eyewear.
- Long-term care provides coverage for at least 12 months for those who need non-acute care for personal care services.
- We also offer cancer insurance, critical illness and employee assistance programs.
RJ Ahmann Company offers these value-added programs:
- HR assistance - Direct phone access to an HR professional who can answer questions related to personnel policies, best practices, discipline and termination, FMLA, compliance and unemployment.
- Legal hotline - Direct access to our legal strategic partner, whose practice is limited to representing employers in labor and employment matters.
- Custom benefits guides - Provide employees with a comprehensive overview of your employee benefits package.
- Wellness programs - Rising healthcare benefit costs are a significant concern, and poor health habits and unnecessary medical care costs consume portions of corporate resources as well as the employee paycheck. The worksite is an ideal setting for health promotion and disease prevention programs. RJ Ahmann offers a variety of wellness programs to address these concerns.
- COBRA administration assistance - We have knowledgeable specialists who interpret complex compliance laws and carry out COBRA/HIPAA administration on a day-to-day basis.
- Personalized Web site -
- Benefit documents - Web site features 24/7 access to benefit plan documents.
- OSHA compliance - Online OSHA logs, forms and reporting.
- Legislative guides - Provides quick answers to tough questions. Topics include: COBRA, HIPAA, Section 125 and FMLA.
- HR community forum - Share and post HR and insurance questions with your peers.
- Document library - Access a library of downloadable articles, brochures, forms and reports covering a variety of insurance-related topics. Choose from Benchmark Surveys and Statistics, Compliance and Plan Designs, and Employee Communication and Education.
- Customized employee self-service HR Web site -
- Designed specifically for your company.
- Delivers targeted employee communication with ease; saving time and paper.
- Educates and assists employees on company-specific information, including employee directory, departmental contacts, holiday and event listings, mission statement and company information.
- Empowers employees to manage personal information, including vacation tracking, benefit elections and updating life event changes.
- Eliminates the need for distributing bulky and costly company materials, including handbooks, forms, directories, policies and procedures.
- Bundles everything employees want to know about their benefit plans in one secure location.
- By capturing employee and plan information, administrators can report on a variety of information.
A smart solution
If you need an employee benefits package, or if you just want to learn more, RJ Ahmann can help. Our highly educated and experienced staff understands your needs and circumstances, provides you with objective evaluation and advice, and provides a committed service team to you, resulting in cost-effective employee benefits plans that are easily administered and communicated to employees.
Ready to Learn More? RJ Ahmann is Ready to Help with Solutions for Employee Benefits Policies!