Services

Communication is the key to a successful benefits program. Our benefits counselors receive specialized training to help your employees understand and appreciate their benefits. Benefits counselors conduct group meetings in which each employee receives a customized benefit booklet containing vital information on their enrollment.  This information includes current benefits, updates from their employer, product descriptions and contact information. Counselors then conduct one-on-one sessions with personalized illustrations to explain coverage options. Each benefits counselor is equipped with a laptop loaded with your employee’s current benefits, payroll deductions, and other key information. With this state-of-the-art communication, your employees can see their current benefit elections and better decide what additional coverages may be needed. Employees may also be able to enroll in their benefits via the Internet.

Through these group and individual enrollment meetings, our counselors provide personal attention, attending to individual needs and small details.

Flexible Spending Accounts are employer-established benefit plans that reimburse employees for specified medical and/or dependent care expenses as they are incurred. Spending accounts use pre-tax dollars to reimburse eligible medical and dependent care expenses, saving employees much needed money each year. Employees elect to have a specified amount of pre-taxed money deducted from their paycheck each pay period. These dollars are set aside on a reimbursement account and subtracted from their gross earnings before any taxes are taken out. The average tax rate is about 25 percent.  Therefore, someone who puts $1,000 in an account in effect gets an immediate return of $250. These accounts are allowed under Section 125 of the Internal Revenue Code and are also referred to as “cafeteria plans” or “125 plans.”

Pierce Group Benefits also brings the “FlexCard” to make your employees’ money more accessible and your benefits package even more attractive! Participants use the FlexCard to pay for eligible FSA expenses at the point of purchase, eliminating out-of-pocket expenses at the time a service is rendered, or an eligible product is purchased. Participants simply swipe the card when an eligible expense is incurred and they are given instant access to their FSA account.

Pierce Group Benefits offers a variety of supplemental plans, including Cancer, Disability, Medical Gap, Critical Illness and Accident Insurance. Traditional health plans do not cover every medical expense, leaving employees responsible to pay out-of-pocket expenses such as deductibles, office visit copayments, and household bills. Supplemental plans cover employees and their families to help fill the gaps of traditional medical plans and to serve as a financial aid should a medical emergency arise.

Disability coverage is an important benefit that provides financial relief when income is lost due to sickness or injury. Plans provide coverage that is designed to suit the workplace in terms of elimination period, benefit duration and maximum monthly benefit. Pierce Group Benefits is proud to offer the Educator Disability Plan; coverage specifically designed to supplement existing plans in North Carolina. The plan does not coordinate with other benefits your employees may have.  Coverage is available on and off-the-job 24 hours a day, 7 days a week, and it is portable at the same rate should your employee leave, change jobs, or retire.

No one likes to think about mortality, but having an adequate amount of life insurance is valuable to your employees regardless of their age or financial status. Pierce Group Benefits offers many types of life insurance coverage including Group Term Life, Universal Life and Whole Life Insurance through a wide range of well known providers.

Pierce Group Benefits specializes in employer-paid and voluntary benefits customized to fit employees’ individual needs. As one of North Carolina’s leading benefit brokers, our “One-Stop-Shop” system is designed to alleviate the work placed on you when planning your benefits package. We offer a wide range of medical benefits including health, dental and vision coverage. Our experienced staff will assist you in developing a benefits package that attracts and retains employees while providing the experience and knowledge to keep your programs competitive and cost-effective.

Part of expecting the unexpected means being prepared when accidents happen. That’s why Pierce Group Benefits is proud to offer Student Accident Insurance. Student Accident Insurance is an employer-established benefit that provides coverage for accidental injuries. The benefit works by itself or as a supplement to fill the gaps in existing plans that may not cover all expenses including deductibles, coinsurance and other high out-of-pocket costs.

Student Accident Insurance provides coverage for accidental injuries that occur during normal school hours or during any school sponsored and supervised activities. Additional, voluntary participation is available to enhance basic benefits, extending coverage to a full 24 hours a day, 365 days a year, covering accidental injuries that take place outside of school.