Group Insurance
Protecting employees makes good business sense


Insurance for your employees is no longer a "fringe" benefit. A comprehensive benefits package contributes significantly to the recruitment, retention and satisfaction of your Number One asset -- your employees -- and this contributes to your bottom line. BDR is there to provide guidance in the design, selection and implementation of effective employee benefits programs. BDR can evaluate and explore the full spectrum of employee benefits and funding options that are available in the marketplace today.

Group Medical Insurance

Whether you're a small private business or a Fortune 500 organization, Group Medical insurance is a very important part of your company’s success. With a Group Medical plan, each employee is entitled to benefits for hospital room and board, surgeon and physician fees, emergency room service and other medical expenses. With this type of insurance becoming increasingly complex, BDR is there to help you figure out the best solution for your business.

Group Life Insurance

As an employer, group life insurance may be one of the most important benefits you can offer. Unlike individual life insurance, group life insurance policies spread the risk across the group, so a single worker cannot be excluded, singled out, or forced to pay more, as long as they remain within your employment. As with individual life insurance, there are a lot of decisions involved to make sure that you’re offering your employees or group members the best coverage. Let BDR survey the field and recommend the best policy.

Group Long-Term Disability Insurance

This type of insurance affords businesses, both private and public, the ability to provide their employees with peace-of-mind in the event they become disabled. Long-term disability insurance can help cover expenses not included with medical insurance, as well as provide funds for mortgage, rent and utility bill payments. As with other types of group insurance, individuals cannot be singled out for exclusion or higher premiums. As the employer, BDR can guide you regarding the wide differences and tax implications among various insurance plans.

Group Dental Insurance

Providing group dental insurance is one of the key ways that you can show your employees that you value them and their family’s well being. As with other group insurance plans, premiums, benefits, and the financial implications for your company varies, so let BDR put together the right plan for your business. Today, a popular option is for employers to offer voluntary dental insurance. Employers don’t contribute financially to voluntary insurance, but employees who opt-in for this insurance benefit from the lower rates of a group plan.

Employee Wellness Programs

Across the nation, employers are recognizing the wealth of benefits that employee wellness programs can bring to their companies. Wellness programs that help workers control their weight, quit smoking, and generally become healthier contribute to lower group health insurance premiums. This, in turn, translates to higher worker morale and a sense of teamwork, and results in a more productive workforce. Programs can range from one-on-one employee sessions to group fitness programs. Health screenings, risk assessments, nutritional counseling, flu shots – these are just some of the components that can help you create an employee wellness program that meets your company’s needs.