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As a full service employee benefits organization, we are committed to assisting you with all of your group insurance needs.
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Looking for answers? Below are some frequently asked questions regarding group insurance benefits.
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Major Medical Insurance
Long Term Disability
Short Term Disability
Dental Insurance
Group Life Insurance
State DBL
Voluntary Access Plans
Companies in Transition
Dispersed Employee Base
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 MAJOR MEDICAL INSURANCE
Question: What is the best coverage for our growing company? We have employees in NY and Miami.
Answer: GBS works with over thirty carriers and has in-depth knowledge of the benefits of Preferred Provider Organization (PPO), Point of Service (POS), and Health Maintenance Organization (HMO) programs. We will design a plan that addresses your cost, benefits and administration needs with uniform coverages in both locations.
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LONG TERM DISABILITY
Question: What happens if one of our employees is unable to work due to illness?
Answer: Gargan Benefits Solutions can design a Long Term Disability (LTD) program for your organization. LTD programs are among the most inexpensive benefits available and they protect your valuable income.
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SHORT TERM DISABILITY
Question: How do we protect ourselves and our employees from a loss of income due to a short term illness?
Answer: Our Short Term Disability (STD) policies are an inexpensive answer to a costly concern.
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DENTAL INSURANCE
Question: Can we make dental coverage available to our employees?
Answer: Yes, Gargan Benefits Solutions offers affordable dental coverage through either a conventional group plan or a voluntary option, in which the employees pay 100% of the premium. A well-designed benefits package attracts, retains and rewards employees while promoting employee loyalty.
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GROUP LIFE INSURANCE
Question: We were thinking of adding more benefits to out current plan, but costs are a concern. Is a life insurance policy an affordable addition to our benefits plan?
Answer: Gargan Benefits Solutions can offer you an inexpensive group life insurance policy, and we can provide you with a plan that is a guaranteed issue. And no medical exam is required.
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STATE DBL
Question: Is DBL required by the state of New York?
Answer: Yes, coverage begins after the seventh day of sickness or injury. Gargan Benefits Solutions can structure a State DBL that meets your budget and employee needs.
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VOLUNTARY ACCESS PLANS
Question: Are there any benefits that can be 100% paid-for by employees?
Answer: Yes. Voluntary Plans are one of the hottest trends in employee benefits. We can enable you to offer your employees several individual coverage options at discounted rates. Employees pay 100% of the premium, and can save 20-30% by participating in your company-sponsored plan.
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COMPANIES IN TRANSITION
Question: What can GBS do for us if we acquire or merge with another company?
Answer: Gargan Benefits Solutions will combine the best elements of both firms' plans, identify cost savings and support your firm through your transition. Whether your firm is upsizing or downsizing, expanding or maturing, we can adjust your plan to maximize benefits while minimizing cost.
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