Products, Services and Programs

Ralph C. Wilson Agency’s Tailor-Made Solutions Will Meet Your Company’s Needs

Our employee benefits team acts as a natural extension of your internal Human Resources department by offering the following products, services, and programs.

General Health Products and Services:

• Medical (PPO, HMO, POS, Self Funded HDHP, HSA, HRA)
• Exclusive Prescription Drug Program
• Dental (PPO, DHMO Managed or Passive Network)
• Life Insurance
• AD&D
• Disability:
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Statutory (NY, NJ, CA, RI, HI, and Puerto Rico)
• Vision
• Travel Accident
• Long-Term Care (LTC)
• Employee Assistance Program (EAP)
• Wellness Programs
• Flexible Spending Accounts (FSA – Medical, Dependent Care, Transportation)

Voluntary/Worksite Benefits:

• Disability Buy-up Programs (individual or group)
• Pre-Paid Legal
• Group Homeowner’s/Automobile
• Life Insurance – Term/Variable/Universal/Permanent
• Accidental Death and Dismemberment (AD&D)
• Critical Illness (cancer, stroke, etc.)
• Vision
• Long-Term Care

Communications:

• Personalized Company Intranet
• Enrollment Services/Newsletters
• Benefits Statements
• Summary Plan Description (SPD)
• Summary & Benefits Coverage (SBC)

Individual Insurance Products:

• Health
• Dental
• Life Insurance (Term, Whole, Universal, Buy-Sell and Key Person)
• Disability
• Long-Term Care (LTC)
• Supplemental Medicare Plans