Planning
◊ Strategies & Process
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◊ Individual Retirement Accounts
How good are your employee benefits? Guardian has been at the cutting edge of employee benefits with some of the most comprehensive and flexible employee benefit plans. Employer-paid, contributory and employee-pay-all plans are all offered through Guardian as well as extraordinary support and services. We are also well known for having one of the nation’s most highly rated dental plans. Our exemplary reputation for disability income insurance has made us sought after by small and mid-size companies for a variety of products including medical insurance.
A Qualified Sick Pay Plan
Benefits You and Your Employees
If the business owner or a key employee becomes disabled, the firm cannot continue to pay wages and deduct these
payments as a business expense unless a Qualifed Sick Pay Plan is in place prior to the disability. Although the plan can be self-funded, using disability income insurance to cover this obligation offers several advantages to the business owner: the insurance company determines if an employee qualifies for a claim, pays the disabled employee, and provides tax reporting. Premiums paid for disability insurance are a tax deductible business expense, and coverage is available at a discounted rate.
employees
Benefits for the employer:
• Owners and employees can be covered by industry-leading individual
income protection
• You choose which employees will be covered and what benefits will be offered
• Attract and retain high quality staff — and recognize key employees
• Premiums paid by the business may be tax deductible
• The plan is simple to set up
• The insurance company assumes the financial risk, responsibility for claims
determination, provides policy administration and tax reporting
• Permanent 10% discount on employer-paid premiums when there are 3 or
more participants
Benefit for the employee:
• Provides a monthly benefit should they become too sick or injured to work
Simple steps to implement a program:
• Establish who will be covered under the qualified sick pay plan
• Adopt the plan and document it — sample documents are available
• Obtain benefit proposal from the insurance representative
• Communicate plan details to employees
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Miami Office |
Hollywood Office |
Boca Raton Office |
One Biscayne Tower, 2 South Biscayne Blvd., Miami, FL33131
Phone: 305.371.6333 ¦ Fax: 305.371.8004 ¦ Email: info@npcfinancial.com
The financial representatives of National Planning Corporation are not licensed to sell insurance in all 50 states. To find out if a financial representative is licensed in your state, please contact Lori Averna at (561) 368-3630.
Securities products and services are offered through Registered Representatives of Park Avenue Securities LLC (PAS) One Biscayne Tower, 2 South Biscayne Blvd 1740, Miami, Fl 33131, (305)371-6333. National Planning Corporation is not an affiliate or subsidiary of PAS.
PAS is a member FINRA & SIPC.
The Registered Representative is securities licensed in Florida, Colorado, California, Arizona, Georgia, Massachusetts, Maryland, New Jersey, New York, Oregon, Pennsylvania and Texas and the material is strictly intended for individuals residing in those states.
The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.
Guardian, its subsidiaries, agents, or employees do not provide tax or legal advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside. The information on this web site is designed to be general in nature and for educational purposes only.
Registered Representatives and Financial Advisors of Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY . Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor. PAS is an indirect, wholly owned subsidiary of Guardian. Financial Representatives, The Guardian Life Insurance Company of America (Guardian), New York, NY. National Planning Corporation is not an affiliate or subsidiary of PAS or Guardian. National Planning Corporation is not an independent registered investment advisor. The financial representatives of National Planning Corporation are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Lori Averna at 561.368.3630.
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