SPECIALIZING IN HEALTH INSURANCE BENEFITS SUMMER 2007
YOUR NEWS TO USE     Dollars and Sense Plans   Win-Win for Employers and Employees   What and Why   Facts and Figures   At Your Service Dollars and Sense Plans The Voluntary Worksite Programs give employees access to enhanced coverage that might not otherwise be available to them. Employees can choose and pay for only the extra protection they feel they need the most, which they can purchase with pre-tax dollars. Employers also profit. For every dollar of pre-tax premium the employee pays, the employer saves on Workers Compensation and the 7.65% match of FICA on that same dollar. These savings can be used to increase the employer's bottom line and/or to add additional employee benefits at little or no net cost to the employer. Specializing in Health Insurance Benefits R. Kashmiry & Associates is a certified broker for Anthem Blue Cross and Blue Shield in handling the Medicare Advantage and Blue MedicareRx plans. We believe all employers and employees ought to be able to get the same quality health care benefits and affordable rates available to big companies. R. Kashmiry & Associates, Inc. has the tools to do it. We've designed a framework of strength, flexibility and affordability that offers a real health care solution for small and large businesses. We are a complete employee benefit design company located in Boardman, Ohio. In addition to working with various state associations, we provide service to over 1,000 out of state clients.   If you have questions or comments, drop us an email, info@rkashmiry.com, or phone, 800. 860.6295. Visit our website at www.rkashmiry.com	WELCOME! R. Kashmiry and Associates is expanding its selection of benefits programs as part of its ongoing mandate to provide the best service to our clients. We are now offering Voluntary Worksite Plans - which are Big Business benefits customized for small to large companies. These supplementals carry bottom line advantages for both employers and employees. Win-Win for Employers and Employees Employee advantages;   Employer advantages; - Pay with pre-tax dollars   - Tax savings - Added financial security - No direct cost for benefits under voluntary programs - Limited underwriting or guaranteed issue may apply - Control employee benefit costs - Easy payment through payroll deductions - Program attracts and retains valuable employees - Portability - Reduces turnover costs What and Why   The Voluntary Plan choices include Disability Insurance; Accident Insurance; Cancer and/or Critical Illness Insurance; and Hospital Confinement Indemnity Insurance. A national survey found the most popular voluntary benefit is Short Term Disability Insurance. And 67% of the employees questioned said it was important to have that Short Term Disability be available through their employer. Facts and Figures It is important to emphasize that R. Kashmiry and Associates will personalize the programs to make them an easy fit for employers and employees. So keeping that customization in mind – here are two examples of Voluntary Plans to give you an idea of rates and benefits.   Disability: Industry - Construction   Age Band Male/Female: 17-49   Coverage: Off-job accident/ sickness   Benefit Period: 6-months   Monthly Benefit: $1000   Waiting Period: 30-day illness /30-day accident   Rates: less than 79 cents a day   Cancer: All eligible applicants have the same premium regardless of industry or age.   Coverage:   Four levels, with benefits increasing at each step   Cancer screening/ wellness (ask us how you can be PAID for getting tested!)   Inpatient benefits   Treatment   Transportation/Lodging   Surgical procedures   Extended care   Skin cancer initial diagnosis benefit   Rates: 39-cents a day at Level 1 At Your Service Our experts at R. Kashmiry and Associates would be happy to talk with you about your company’s needs and a Voluntary Worksite Plan to meet them. Call us at 877.860.6295.