Employee Benefit Plans

Small Business and Self-Employed Health Plans:

Group Medical, Dental, Vision
Disability, Life & Long Term Care
International Health Plans
Section 125 administration, Cafeteria Plans
Retirement & Pension Plans
Voluntary employee benefit plans
(Dental, Life, Disability, Cancer care, etc.)
Pre-Paid Legal Services
E.P.P. (Employee Assistance Programs)
Health Savings Account
Medical Savings Account

Retirement Options:

401K Solo, 457, 403B, IRA, SEP, KEOUGH, 412-I
Disability
Long Term Care
Health, Dental
Vision Plans

Gough Insurance & Financial Services acts as a benefits advisor in designing installing, and administering your employee benefit plans. We assist you in securing a program that is effective in terms of cost, method of funding, and plan design.

The goal of systematically planning the self-employed and the small business employee benefit plan is to provide a package that is uniquely your own. We are prepared to advise you on which contracts best fit your particular requirements, and economic objectives.

Small Business Group Plans: Can be subject to change due to legislation cost controls and changes in the marketplace. A well-designed benefit plan for your employees will assist in retaining employees. Group Plans require the Employer to contribute 50% of the premium and enroll a minimum of 75% for eligible employees.

Self- Employed Plans: Many self-employed people neglect to pay themselves first. In other words, they pay expenses for running the business and neglect to set aside money for their retirement. A percentage of gross income should be allocated to health, dental, disability & retirement plans. We assist you in designing a plan of protection and a plan for retirement. Let us explore your options.

Purchasing the right insurance that meets your needs can be challenging. Insurance can be one of the most important ongoing purchases you make to protect yourself and your family from financial hardship. Since your needs and financial situation change over time, it is important to understand and review your insurance policies annually to decide if the same policies are still right for you.