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


  • 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