Dickstein Associates Agency provides businesses with Employee Benefits programs and services. Our programs are designed to help you recruit and retain talent in today’s competitive business environment that’s characterized by rising healthcare costs and a multi-generational and geographically dispersed workforce.
We don’t believe in a one-size-fits-all solution. Working closely, we help you understand the current market dynamics, identify your goals and pain points, and then develop a tailored strategy to meet your business needs.
We provide several solutions depending on your firm’s needs. From fully insured plans to alternative funding options (HSAs, FSAs) and self-insured plans, we will design a program that balances your desire to provide your employees with key benefits with your financial parameters.
We offer Group Dental plans designed to meet the needs of employees. Plans can cover basic services such as routine dental check-ups and cleaning as well as provide additional services such as fillings, root canal and other procedures; orthodontia; and oral surgery, endodontic and periodontics procedures.
Many employees and their families go without Life insurance, since they feel they can’t afford to purchase a policy. With Group Life Insurance, you can provide the coverage, the sense of safety and peace of mind employees look for. In the event one of your employees passes away unexpectedly, a Group Life insurance plan will provide compensation to his or her family. Basic Group Life insurance plans do not typically require a medical exam. Risk is spread across the employee base with relatively low limits, and no underwriting is involved. There are several options from which to choose, depending on the size of your firm: An employer-paid Term Life plan, a supplemental employee-paid Term Life insurance option for increased coverage, a Term Life plan for dependents and domestic partners, a shared-cost or employee-paid Whole Life insurance policy, and supplemental coverage options such as Accidental Death and Dismemberment (AD&D). We will review each option with you, comparing pricing and benefits, to determine what is right for your organization and employees.
Our specialists can add Group Disability options to your benefits program providing employees with a safety net for non-work-related injuries or illnesses. Long Term Disability (LTD) plans, after an elimination period, provide benefits to employees typically for two years, five years, 10 years, to age 65, or for life, depending on the policy. These plans will pay up to 50% to 70% of the employee’s pre-disability salary, providing a steady stream of income to help employees meet their day-to-day financial obligations while they are unable to work. A Short Term Disability (STD) pay benefits for short periods of time—typically three months, six months, or one year, after a brief waiting (elimination) period.
New Jersey, New York, Pennsylvania, Delaware, Florida, Iowa, Illinois, Indiana, Maryland, Michigan and Utah.