Employee Benefits for NW Ohio Businesses

Employee Benefits

SAVING MONEY on employee benefits is a must in today’s economy. The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines. Helping you meet these divergent objectives is our specialty.

For years, Kryder Cares has been providing insurance and employee benefits consulting services to the business community. Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.

Our Specialties

Our staff of experienced benefits professionals can develop benefits programs that make sense for your company and your employees. We have specialists in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy.

We specialize in a wide variety of plans and lines of coverage, including:

Insured and self-funded health plans
Group Life Insurance
AD&D
Dental plans
401(k) Plans
Payroll Services
Vision plans
Cafeteria plans
Voluntary Benefits
Short and Long Term Disability plans
Human Resources Consulting

Professional Services

Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients. These services reduce customer costs, increase efficiency, and improve employee satisfaction – bringing your employee benefits programs to new heights in quality and performance.

Customer Service

We pride ourselves on the level of knowledge and service we bring to our clients. Each client works with a single point of contact, making working with us seamless and easy.

Strategic Planning

We will develop a customized strategic plan for you that defines your objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your benefits needs.

Benefits for Small Businesses in Northwest Ohio

Small and mid-sized employers in Perrysburg, Toledo and across northwest Ohio compete for good people. A thoughtful benefits package can help you attract and keep employees without stretching your budget. Kris starts by learning about your workforce, your budget and what your employees ask for most.

Voluntary benefits are often a good starting point. Employees pay for coverage like dental, vision, disability insurance, accident or critical illness through payroll deduction, so you can offer more choices with little or no employer cost. Group life and AD&D can be added at modest cost.

Group vs. Individual Coverage

Group health plans are sponsored by the employer, who usually pays part of the premium. Group plans can offer predictable coverage and may be easier for employees to use. Some smaller employers instead help employees buy individual coverage, such as ACA Marketplace plans, and supplement it with voluntary benefits.

The right mix depends on your number of employees, their ages and your budget. If you have employees nearing 65, keep in mind that with 20 or more employees, your group plan is generally primary and they can usually delay Part B without penalty. Kris can help employees coordinate that move to Medicare.

Group & voluntary

Coverage employers often add to a benefits package

Disability Insurance

Replaces part of your paycheck if illness or injury keeps you from working, for individuals and employer groups.

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Dental, Vision & Hearing

Standalone dental, vision and hearing coverage for retirees and families, including options that pair with Medigap.

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Hospital Indemnity Insurance

Fixed cash benefits when you’re admitted to the hospital, to help with copays, deductibles and the bills that keep coming.

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Term Life Insurance

Affordable protection for a set number of years, while your mortgage, kids or income needs are at their peak.

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FAQ

Frequently asked questions

What employee benefits can Kryder Cares help my business with?

Kryder Cares works with insured and self-funded health plans, group life, AD&D, dental, vision, 401(k) plans, payroll services, cafeteria plans, voluntary benefits, short and long term disability, and human resources consulting. Kris tailors a benefits program to your company’s budget and your employees’ needs, with one point of contact.

Can a small business offer employee benefits affordably?

Often, yes. Voluntary benefits such as dental, vision, accident and disability coverage are paid by employees through payroll deduction, so you can offer more with little employer cost. Group life and AD&D can be added at modest cost. Kris can compare group health options and alternatives for businesses of different sizes.

What are voluntary benefits?

Voluntary benefits are insurance products an employer makes available at work, but employees choose and pay for themselves, usually through payroll deduction. Common examples include dental, vision, accident, critical illness, hospital indemnity and disability coverage. They give employees more choices and can be a cost-effective way to strengthen your benefits package.

What is a cafeteria plan?

A cafeteria plan, also called a Section 125 plan, lets employees pay for certain benefits, such as health premiums, with pre-tax dollars. That can lower taxable income for employees and payroll taxes for the employer. Kris can explain how a cafeteria plan may fit your benefits program, and your tax professional can confirm the tax details.

What is the difference between insured and self-funded health plans?

With a fully insured plan, you pay a premium and the insurance company pays claims. With a self-funded plan, the employer pays claims directly, usually with stop-loss coverage to limit large losses. Self-funding may offer more control and savings for some employers but carries more risk. Kris can help you weigh both.

How do employer plans work with Medicare for older employees?

If your business has 20 or more employees, your group health plan is generally primary for employees 65 and older, and they can usually delay Part B without penalty. With fewer than 20 employees, Medicare is typically primary. Kris can help older employees understand their options and enrollment timing.

Will I have one contact for my benefits program?

Yes. Each client works with a single point of contact, making working with Kryder Cares seamless and easy. You and your employees know who to call with questions about enrollment, claims or plan changes. Reach out through the contact page to start a conversation about your business.