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Benefit Plans & Management

R. Kashmiry and Associates, Inc. Has Got You Covered!

We specialize in employer/employee benefit programs. Life changes – and so can your bottom line. R. Kashmiry and Associates, Inc. will work with you every step of the way.


Life Insurance

A life insurance policy guarantees the insurer pays a sum of money to named beneficiaries when the insured policyholder dies, in exchange for the premiums paid by the policyholder during their lifetime. Life insurance can be a powerful tool for protecting your financial confidence – and especially the financial confidence of the people who depend on you. Don’t let sudden tragedy uproot your family or bankrupt your business. Even after you pass, there are still people who rely on on you. We will help you select the insurance policy that best fits your needs today and for tomorrow. 

Short Term/Long Term Disability

Short-term disability insurance (STD) covers a percentage of your lost salary should injury or illness knock you out of work for more than a few days. Payments generally kick in when you have exhausted any available sick leave. You might see a large chunk of your salary early on, but payments are often reduced to 60% of your salary, or less, after a few weeks. Duration of benefits varies by policy, but six months is typical. R. Kashmiry and Associates, Inc. can go over all the facts and figures with you.

Long-term disability insurance picks up where STD policies leave off. The combination of your living expenses and your lack of income could spell financial disaster for your family without it. R. Kashmiry and Associates, Inc. wants to help you protect your family if you are unable to work because of catastrophic injury or illness.

Group/Individual Dental & Vision

R. Kashmiry and Associates, Inc. offers comprehensive Dental/ Vision insurance plans that are designed to meet both your employees’ oral and vision health needs and the demands of your budget. We will help you choose the best coverage option.


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