To attract and retain excellent employees, a competitive health plan is the most important part of your benefits program. A well designed plan can bring significant value and efficiency to your compensation offerings.
Coverage to supplement employer provided long-term disability benefitsView Details
As high earners with extensive education and professional experience, physicians have much to protect in the event of disability. Not all disability contracts are created equal and it is critical to purchase benefits that acknowledge the nuances of specialized physicians and the challenges of rebuilding a medical practice in the event of disability.
In partnership with a leading carrier, Martin-Darley is able to offer a specialized contract and service offering for Physician groups with preferred pricing to provide peace of mind and assistance to physicians in the event of a disability.
We offer a complete package of tailored solutions to address the financial needs of businesses, business owners and key employees including:
Business exit planning – Creating succession strategies that allow owners to exit their business when they want and on their terms, while considering tax, legislative and business structure influences.
Estate planning – Helping to minimize the impact of taxes and expenses on an estate and/or business, while maximizing distributions to heirs, third parties and charities.
Retirement income – Helping employers offer nonqualified solutions that help owners and key employees plan an adequate retirement income — while helping to recruit, reward and retain key employees.
Business protection – Implementing strategies to preserve, protect and promote the value of the business to better facilitate a subsequent transfer to family members, key employees, other owners or third parties.
Survivor income – Helping business owners’ families achieve their specific financial objectives, like paying for college and paying off the mortgage.
Income protection – Protecting business owners financially in the event of a prolonged illness or injury — helping not only the business owner personally, but also in keeping the doors of the business open.
Life insurance coverage helps you take care of your loved ones after your death. The death benefit payment can help your family meet many important needs. For example, it could pay for funeral and other post-death costs, family living expenses or college tuition.
There are several types of life insurance coverage:
According to LIMRA, most people need enough life insurance to replace their income for seven to 10 years.
According to the National Safety Council, more than 26 million Americans suffer disabling injuries each year.
Individual disability coverage can help supplement employer provided long- term disability benefit. This type of coverage protects a higher percentage of your income or covering types of income such as commissions and bonuses that may not otherwise be protected.