W. Braiden Darley, RHU
Phone: 303-721-0159 Email: braiden@martindarley.com
 

Employee Benefits

We provide employers with a variety of tools to help attract and retain the best employees at competitive rates from leading carriers:

Group Medical

Employer-sponsored health coverage for your business

View Details

Group Life Insurance

Employer-sponsored life insurance for employees

View Details

Group Disability

Employer-sponsored disability insurance for your employees

View Details

Group Dental

Employer-sponsored dental insurance for your employees

View Details

Voluntary Benefits

Additional employee-elected life, disability & vision coverage

View Details

Self-Funded Employers

Benefit plans which are managed & administered by the employer

View Details

Employee Communications

Helping employees understand benefit plans & options

View Details

401(K) Plans

Tax deferred retirement plans for employees

View Details

Group Medical

If you are a Colorado-based employer with fewer than 50 employees, you are in the same underwriting and issue pool as all other small firms in the state. When you are choosing a benefits partner it is very important to fully understand what they can and should bring to the process. Knowledge of the regulatory benefits and restrictions in the state are critical in the planning and implementation stages.

Employers with greater than 50 employees have a variety of ways in which to design and manage a competitive health plan. At Martin-Darley we work closely with your team to design and implement plans that represent the best buy for the dollar while striving to maintain long-term relationships with vendor partners.

Whether you are interested in self–funding, implementing a health savings accounts or multi-choice plans, we guide you through what can be the complex range of ideas and products available in the market today.

Using our knowledge and expertise we believe in strong recommendations, to assist you in this important aspect of your overall compensation and benefits strategy.

Group Life Insurance

A suitable selection of life insurance for your employees is a critical part of their overall well being. Many employees have little or no life insurance of their own and look to their employer to provide them with coverage.

For a minimal investment, employers can offer life insurance benefits that can help protect employees and their family’s financial well being. Group life plans can be designed to fit most employer budgets and represent an excellent recruiting and retention tool.

Group Disability

It pays to protect your employees’ income and your business’s profits from the financial setbacks of a disability. Nearly half of the one million Americans who filed for bankruptcy protection in 2000 did so after being sidelined by an unexpected illness or injury, (EFMoody.com).

Unfortunately, many employee benefit consultants automatically bundle disability with medical plans and minimize the importance of disability contracts.

Definitions of disability vary from contract to contract. If you are a highly skilled professional such as a physician, lawyer, etc.. it is very important to pay attention is paid to how your occupation is covered. We have deep expertise in disability benefits, Braiden Darley, President of Martin-Darley, worked for the #1 disability carrier for 10 years.

Group Dental

We work with some of the largest, most experienced dental benefits carriers. Our carriers offer national dental coverage with dental benefits programs for a wide range of employers, large and small.

We recognize that Dental Insurance is a benefit in high demand from employees. We have created dental plans with our carriers that offer choice to employees while being sensitive to employer budgets.

Voluntary Benefits

Voluntary benefits help employers maintain a competitive benefits program. The value for employees is the ability to buy benefits at work with group rates and the convenience of payroll deduction.

We offer a broad portfolio of voluntary products, including dental, long-term disability, short-term disability, life and vision.

Self-Funded Employers

In self-funded plans, the employer takes on a portion of the financial risk for of funding claims payments under their health plan from company assets. The employer becomes responsible for managing and administering the benefit plan.

Making a move to Self Funding is a significant step that requires careful consideration. As your broker we will advise you on selecting employer stop-loss (ESL) coverages and any third party administrators necessary to help you mitigate risk, control costs and administer the plan in an efficient manner.

Employee Communications

How do you drive home the value of benefits to your workforce?

At Martin-Darley we believe in providing superior benefits communication to help employee appreciate your investments, understand changes and to improve the enrollment process minimizing business disruption.

We deliver group employee meetings with general benefit information or one on one meetings with personalized, needs-based benefit education. Our focus is on helping employees understand their coverage and the importance of insurance protection.

401(K) Plans

Defined Contribution

401(k) plans are an economical and tax efficient way to help your employees save for retirement. When reviewing and implementing a new retirement plan, it is important to choose a vendor that emphasizes employee education, reasonable investment costs and excellent customer service. We have relationships with the leading retirement plan vendors and can assist you in selecting the provider that best meets your firm and employees needs.

Non Qualified Deferred Compensation

Highly compensated employees can face a retirement income gap due to limitations within qualified plans. Non-Qualified plans give employees the ability to defer compensation and realize tax savings today. Employers can efficiently attract and retain key talent with creative deferred compensation plans while maintaining control of who the plan benefits. Experienced advice is critical in choosing a partner to manage and administer a non-qualified plan. Martin-Darley assists in designing and implementing plans that meet the long-term objectives of you and your key employees.