What do you want as an employer? Do you want to offer your employees a benefits package that is of value to them, while remaining budget friendly to you?
Here at The Vigue Company, we strive to do just that. We understand that each employer has different needs, priorities and their own unique budget to work with. We get to know you and your business structure and will work with you to create a benefits package that is beneficial for you as the employer and your employees.
We study the benefits offered by each carrier and continue to stay up-to-date on the latest insurance law changes. This helps us, in turn, provide you with the most up-to-date and accurate information so you can select a benefit plan that is right for your specific needs and wants.
We also understand that administering and maintaining a benefit plan can be overwhelming at times (billing issues, claim issues, plan changes, etc.), so we offer our help and knowledge with all insurance related matters for you and your employees. Don't hesitate to call us! We can help you decide what coverage will best fit your needs; whether that is an Employee Benefit Plan, Individual or Family coverage, Medicare, Life or Disability.
- Group Medical
- Group Dental
- Group Life & Accidental Death and Dismemberment
- Group Disability: Short Term and Long Term
- Voluntary Group Plans
- Individual Medical
- Individual Dental
- Short-Term Medical
- Medicare plans, Supplements, Part D
- HSA, HRA
- COBRA Administration
Carriers we currently work with:
- Lincoln Financial Group
- Moda Health
- Mutual of Omaha
- PacificSource: Bend Chamber Trust
- PacificSource: Northwest Wood Products Trust
- Regence BlueCross BlueShield of Oregon
- Security Life/Spirit Dental
- Special Districts Insurance Services
- Willamette Dental
Is your small group eligible for coverage?
Eligibility includes but is not limited to the following criteria:
- Minimum of 1 employee working at least 17.5 hours per week
- No more than 50 employees
- Group must be headquartered in Oregon
Oregon HB2240 has redefined the composition of a small employer, so that a sole proprietor, the partner in a partnership, or the owner of more than 2% of the shares of an S Corporation or LLC may not count as an employee for the purposes of obtaining group coverage. In addition, the spouse of any of these may also not be counted as an employee.
As long as a group has at least one eligible employee not defined in the criteria above, even if that employee waives coverage for a valid reason, the group would be eligible for coverage. An eligible employee is defined as an employee working at least 17.5 hours a week who is not temporary or seasonal, and has satisifed the probationary period as set by the employer (not to exceed 90 days from date of hire).
Please give us a call for more information.
Are you familiar with ERISA?
ERISA, the Employee Retirement Income Security Act, is a federal law which enforces administrative requirements on employers who offer employee benefit plans. This includes any plan, program or fund that an employer provides to employees.
Types of benefits that fall under ERISA include, but are not limited to:
- Health insurance
- Life insurance
- Disability insurance
- Accident or sickness insurance
- Unemployment benefits
- Vacation benefits
- Holiday or severance pay
- Retirement plans
It is important to confirm which ERISA related requirements will be handled by your insurance company and which requirements your insurance agent, if applicable, can assist you with. For the requirements that fall squarely on the employer, you can appoint an attorney to help you make sure you are compliant with the law; if desired but not necessary.
Even if you appoint an attorney, or the insurance company takes care of some of your ERISA obligations, you should make sure you understand what is required of an employer so that you can review all documents provided by other parties for accuracy and satisfaction of the law.
For more information, please visit the Department of Labor’s Plan Administration and Compliance page:
♦ Are you interested in seeing options and what it would cost? For a medical and/or dental quote, please fill out this form and send it to our office via mail, fax or encrypted email.
We will contact you once we have options ready for your review.
♦ For group life or disability quotes, please give our office a call.
♦ For large employer (51+ employees) quotes, please give our office a call.