Insurance

Comprehensive healthcare coverage is the backbone of a happy employee. As independent brokers we work with various carriers to find the best plan that will attract and incentivize loyalty among your staff.

Medical insurance has evolved with the onset of the Affordable Care Act. Our experienced brokers stay current to keep you informed with changes in legislation that may affect your coverage by attending as well as hosting educational seminars.

In order to pair client needs with a comprehensive, cost efficient medical policy we understand that communication is key. We will work with you to select, apply and enroll in health insurance coverage. With a wide range of resources, our firm is equipped to help find you a plan that meets your specific needs.

There may be times an individual would need to purchase medical insurance for themselves: a sole proprietor, in-between jobs, a move to a new location, a birth, marriage or divorce, or loss of other coverage. Matson Financial Advisors will guide you through the options of carriers, plans and rates off the exchange.

It is important to compare plans to find coverage that meets employee needs while also fitting into the budget of your small business.

While dental work is not covered under medical insurance, healthy teeth are very important to overall physical and pocketbook health.

We all have different degrees of need for a dentist, from annual teeth cleanings to extensive work as we age. By seeing a dentist regularly, your dental exam can also detect signs and symptoms before they become too serious or expensive.

Having dental insurance may encourage employees to take care of their teeth, leading to a healthier and more productive workplace.

We work with many dental carriers and will work with you to find the best fit for your employees.

Your eye exam can be the window to your overall health.

Some medical insurance carriers include vision coverage in their policies, other carriers offer coverage as an available add-on. Vision insurance is affordable and routine eye exams are vital to detecting dozens of diseases such as high blood pressure, certain cancers and brain tumors.

Offering this extra benefit may differentiate you from other organizations and improve employee recruitment and retention. Let us assist you with finding the best policy for you and your employees.

Short Term Disability insurance helps employees replace lost income due to a temporary illness or injury that prevents them from working. Duration of coverage generally ranges from 3 to 6 months.

Long Term Disability insurance begins after Short Term coverage ends. Long Term insurance pays a percentage of lost income, generally 50 to 60 percent. This coverage protects your employee’s financial security while unable to work and collect a paycheck.

Group life insurance is a policy that is offered by an employer for an employee, that is usually paid for by the employer. Benefit is usually $10,000 - $25,000, with the opportunity for an employee to acquire more. Because the policy is purchased in large scale, the premiums are much lower than if an employee was to purchase an individual policy. Many insurance carriers allow an employee to take the plan with them if they change employment; premiums would then be paid by the departing subscriber.

Matson Financial Advisors, Inc., works with companies of all sizes, from a sole proprietor to several employees to several hundred. We are there for you for the duration, starting from guiding which coverage to offer, to employee changes throughout the year, claims or invoicing issues. We offer our clients no fee access to HR360, a web-based, attorney-approved resource where they can design an employee handbook, download forms and office signage and check what other employers pay for comparable jobs to name a very few. We also supply our clients with DOL required Summary Plan Descriptions at no cost.