Our Products
For Employees
Health Insurance
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- Traditional ACA health plans for groups and individuals
- Level-funded, partially self-funded, and self-insured plans
- Non-traditional medshare plans
Accident Insurance
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- These plans are designed to pay out of pocket expenses that are incurred due to injury
- These plans help lower workers comp claims and keep workers comp premiums down
- These plans can be employer paid (fully or partially) or employee paid
Critical Illness and Cancer Insurance
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- These plans cover employees from unexpected critical illnesses
- These plans can pay up $100,000 or more if diagnosed with a covered illness
- These plans are fixed in cost and do not go up once enrolled and can be taken with you into another job or retirement
- These plans can be employer paid (fully or partially) or employee paid
Short Term Disability
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- These plans are designed to pay an employee two-thirds of their wages for up to 3,6,12, or 24 months if disabled due to injury or sickness.
- These plans can operate as a form of maternity leave
- These plans can be employer paid (fully or partially) or employee paid
Long Term Disability
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- These plans are designed to pay an employee two-thirds of their wages every month up to age 67 if disabled due to injury or sickness
- These plans can have long term care riders on them to provide coverage if a care home is needed
- These plans can be employer paid (fully or partially) or employee paid
Hospital Plans
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- These plans are designed to pay a cash benefit to employees who are confined to a hospital for 24 hours
- These plans can be set up to pay the deductible amount that an employee would face
- These plans can be employer paid (fully or partially) or employee paid
Dental Insurance
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- Traditional dental plans
- Supplemental dental plans that pay cash benefits for receiving specific treatments
- These plans can be employer paid (fully or partially) or employee paid
Vision Insurance
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- Traditional vision plans
- Supplemental vision plans that pay cash benefits for specific line items
- These plans can be employer paid (fully or partially) or employee paid
Teledoc
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- Gives employees 24/7 access to licensed medical professionals in their state
- Can get prescriptions over the phone any time of the day
- These plans can be employer paid (fully or partially) or employee paid
Group Gym Memberships
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- Discounted gym memberships available to employers or employees through payroll
- Group fitness classes included
- Specific number of memberships that be shared using key fobs or company wide memberships for all employees
- These memberships can be employer paid (fully or partially) or employee paid
Life Insurance
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- These plans are designed to pay a tax-free cash benefit upon death to the person or organization of your choosing
- These plans are available in certain amounts that can be guaranteed without medical questions or medical exams
- These plans can be employer paid (fully or partially) or employee paid
Flexible Spending Accounts
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- These plans use tax-free dollars to pay for qualified healthcare expenses
- These plans lower taxable income
- Available in a dependent care FSA which allows for employees to pay for dependent care using tax free dollars
Pet Insurance
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- These plans are designed to pay expenses incurred for taking your pet to the vet
- These plans are only available for dogs and cats
- These plans have a 50%, 70%, and 90% coverage option
- These plans can be employer paid (fully or partially) or employee paid
For Employers
Buy/Sell Agreements
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- These are designed to pay a large cash benefit to the business partner of an organization should the other(s) partner pass away
- These plans keep business owners from having to be in business with their partner’s spouses if the partner passes away
- These plans can be owned by the company with the company as a beneficiary to have cash upon death of a partner to pay the partner’s family off and obtain full ownership of the company
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Key Person Life Insurance
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- These plans are designed to provide the business or business owner with a large cash benefit in the instance that a key employee to the business where to pass away
- These plans provide the cash needed to replace revenue from loss of a great employee and to have funds to hire and train an employee to replace the previous one
- These plans can be owned by the company with the company as a beneficiary
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Deferred Compensation Plans (Golden Handcuffs)
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- These plans are tailored to the specific company and the key employees within in order to ensure retention of those employees
- These plans can be set up in various ways such as the employer contributing a set amount of money each month, quarter, or year to specific employees with a signed contract between them stating that if they stay for a certain period of time the money goes to the employee, but if they leave before then, the money and growth associated with it returns to the employer
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Section 125 Plans
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- These are IRS governed programs that allow employers to pay for certain benefits using pre-tax dollars
- The section 125 plans we put in place only need reviewed every five years
- These plans can lower payroll taxes for employers and can lower taxable income for employees
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Retention Plans
- Similar to deferred compensation plans but designed for all employees including the frontline workers.
- These plans are tailored to the specific company, industry and employees
401ks (Through Lincoln Capital)
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- Traditional 401ks
- 401ks with Roth options
- Safeharbor plans
- SIMPLE plans
- Individual IRAs
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Investments for Owners (through Lincoln Capital)
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- Investments for the business owner or high net worth employees within the business
- Investments made will be similar to other high net worth business owners with a history of investment growth
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Referrals for high quality estate planning, advertising and web design, payroll systems, HR administration, etc.
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- Due to the number of business owners and various industries we work with, we have a network of the best referrals out there and are confident we can find someone great to help with any needs outside our wheelhouse
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Carriers We Represent
Our Office
1640 S 70th St #200,
Lincoln, NE 68506
Contact Us
(402) 904-3026
ian@unifiedemployeebenefits.com
Office Hours
Mon-Fri: 7:00 am – 4:00pm
Sat-Sun: By Appointment