Services we provide:
The benefits you offer your employees take up more and more of your budget every year.
You need an expert to provide the research, implementation and on-going service for these important coverages all at a price your company can afford.
Group Life and Health Insurance
Encompass Benefits handles millions in group premium and represents a
variety of businesses including government agencies, manufacturing
companies, car dealerships, pre-schools and hundreds of other
businesses with diverse needs. And each company's portfolio is
different, determined by that business's unique situation.
Individual Life and Health Insurance
The choices you have when it comes to individual insurance can be
overwhelming. What do you need? And how much is enough? Whether you
need life, health, or disability insurance to protect your loved ones,
or products for estate planning, long term care, or business
continuation, we'll help you choose the plans best suited to your
needs. Protection, security, and a little piece of mind - just what
you'll get from Encompass Benefits.
Short Term and Long Term Disability
You probably think of a disability as something that happens to
other people. But simply believing “it won't happen to me” doesn't mean
at some time in your life you won't be faced with a disabling illness
or injury. In fact, in any given year, one in eight persons suffers a
disability*— and they also thought it wouldn't happen to them.
A disability can occur as easily as a misstep on a flight of stairs,
or as suddenly as an oncoming car swerving out of control. It can take
shape slowly, beginning as nothing more than an ache in your back or a
pain in your chest.
No one expects to become disabled, but you can take steps to make
sure that if you should be robbed of your ability to work, you and your
family will remain financially secure.
Long Term Care
The annual cost of long term care (LTC) in a nursing home or in your own home averages over $70,000.
- If recent trends continue by 2021 it will be $175,200.
- An estimated 42% of individuals who reach age 70 will require long term care.
What LTC Insurance Will Do for You:
- Keep you independent as long as possible. Keep you at home as long
as possible. Keep your standard of living the same. Let you choose
exactly who you want as a care giver. Let you choose exactly what kind
of care you want. Protect your life savings. Provide a way that your
assets can end up where you want them to, be it family, church, charity
or a cause.
- Give you a priceless emotion; peace of mind...Allow us to be very
frank. No one wants to think about it and no one thinks it will happen
to them. But it can. And by not preparing now, your entire asset base
(as well as your spouse's and children's) could be wiped out almost
instantly.
