Human Capital sponsors a multiple employer 401(k) plan through a strategic partnership with SLAVIC. 401(k) savings plans allow employees to save for retirement while reducing their current taxable income.
Human Capital group life insurance provides employers with essential protection for your employees at a competitive group rate.
Without warning, accidents, illness, and debilitating conditions resulting in added stress and financial strain. When an employee cannot work for an extended period, long-term disability insurance helps reduce the financial worries by covering a portion of the employee’s missed income. Long-term disability begins when the short-term disability policy reaches its end.
Human Capital’s team of experts guides businesses through the process of selecting an appropriate plan that fits the organization’s needs and budget.
Even the smallest injuries can interfere with the ability to work. For many people, unplanned time away from work can make it difficult to manage monthly bills and expenses. Short-term disability insurance provides supplementary income to reduce the financial stress of a covered illness or injury.
A critical illness insurance policy lessens the financial strain caused by a major illness, heart attack, or stroke. After a critical illness diagnosis, the insured party receives a lump-sum percentage of the elected benefit amount to help pay for expenses, including deductibles, co-pays, childcare, credit card bills, or travel for medical treatment.
Flexible Spending Account
A Flexible Spending Account (FSA) allows employees to pay for co-pays and other eligible out-of-pocket expenses on a pre-tax basis. Employees enrolled will stretch their income, reduce their costs and pay less in taxes.
Human Capital offers three types of FSA’s: A Health Care FSA that covers general purpose health expenses; a Dependent Care FSA that helps participants save money on day care and elder care expenses; and an Adoption Assistance FSA that helps cover expenses for both domestic and foreign adoptions as well as any associated court costs or legal fees.
The most recent report from the National Safety Council reveals that more than 44.5 million injuries happen each year at a cost of over $967.9 billion .
While accidents are never planned, sometimes there are financial gaps, even after health insurance. This is where accidental policies come into play. Lost wages from missed work, unmet or high health insurance deductibles, or even unpaid bills can be covered in an accidental injury situation.
Hospital Indemnity Insurance is not a replacement for traditional health insurance; rather it offers employees another source of funds when they encounter serious medical issues. Benefits are paid to the insured to be used as they see fit.
Telehealth makes it easy to visit a doctor in minutes on the phone, mobile app, or web. Employees have access to board-certified doctors, counselors, psychiatrists, or dermatologist without ever having the leave the comforts of their home. Convenient, private, and secure telehealth is one way that Human Capital combines technology with a traditional PEO service.