Free Benefits for your Employees?!?!

I recently reviewed my employees benefits options with my long time friend and insurance broker James Harvey of Oberlander Dorfman. During our meeting we reviewed our Aflac policy, and I came to realize that while I offer my employees Aflac insurance I do not know much about it other than the fact that I need to withhold funds from employees pay and subsequently cut a check to Aflac every month. That and of course they have a great, yet annoying marketing plan.
What I found is the cost of providing my employee’s with the benefits of additional insurance from Aflac costs me exactly zero dollars! In fact it reduces my employees taxable wages saving me money on FICA and FUTA! Not to mention our employees love the options available to them by Aflac and see it as a benefit offered by the company. Ordinarily I would outline the benefits that Aflac can provide your business and your employees, but Aflac has done a pretty job in creating precise and concise copy which will do the job for me!
If you have any questions please contact me  , or you can contact James directly at
In times of financial uncertainty, lowering costs while maintaining the quality of your small business is key.  When it comes to finding a cost-efficient way to provide your employees with the benefits they need, Aflac can help.  By making Aflac insurance policies available along with your major medical insurance, you can give your employees the kind of benefits they’d expect from a bigger company, on a small business budget.   
Here's how you benefit:

  • Policies are 100 percent employee-paid, so there is no direct cost to your company.


  • Employee participation can lower taxable income and may reduce your overall share of FICA and FUTA taxes when premiums are paid with pre-tax dollars.


  • Aflac complements current HSA/HDHP arrangements by offering compatible plans.


  • Aflac helps attract and retain employees.


  • Aflac is designed to be easily administered, which means you’ll have more time to focus on running your business.


  • Aflac insurance complements your major medical insurance, to help you create a more attractive employee benefits package.

Here's how your employees benefit too:

  • Our policies are designed to provide cash benefits to your employees if they become injured or sick.


  • Employees are paid directly (unless they choose otherwise), usually within four days, to help cover expenses, such as rent and child care, and expenses not covered by major medical insurance, such as copayments and deductibles.


  • With Aflac policies, there are no deductibles, copayments, doctor networks, or pre-authorization requirements


  • Premiums can be paid with pre-tax dollars through a Section 125 Cafeteria Plan