Benefit Types

Designed Benefits Group offers a variety of benefit types to suit your needs. From group plans to cafeteria and section plans, we partner with the leading insurance carriers in Massachusetts to bring you a wide range of products and services. We also offer payroll deduction programs for easy administration.

Group Health

Group health insurance is an important benefit for employees, and a comprehensive plan can help employers attract and retain key personnel. It is also the most expensive part of a group benefits package. More >>

Group Dental

Group dental plans provide insurance to cover everything from periodic cleanings to major orthodontic and restorative work. Typically, these plans include a co-pay that is assessed based on the cost and complexity of the procedure. More >>

Group Life

Group life insurance is a basic employee benefit that pays a specified sum of money to an employee's beneficiaries if the employee dies while employed by the company. Other conditions, such as a terminal or critical illnes, may also trigger payment to beneficiaries. The sum of money is often variable based on whether the employee was traveling on company business at the time of demise, or the event happened during non-working hours. More>>

Group Disability

Group disability comes in two forms - short term and long term. Short term disability pays a percentage of an employee's income for a specific length of time, often three to six months.. Most policies specify a monthly "cap" or maximum benefit amount. Long term disability coverage begins when short-term coverage ends, and pays a percentage of the employee's salary for a period of two to five years, or until age 65. More >>

Cafeteria/Section 125 Plans

A cafeteria plan is governed by Section 125 of the Internal Revenue Code. This plan allows employees to set aside pre-tax dollars in a Flexible Spending Account (FSA) to pay specific qualified expenses, such as health insurance premiums, and helps reduce the employee's total taxable income. FSAs are subject to the "use it or lose it" rule, meaning that all funds must be spent by the end of the plan year, or the money is forfeited to the employer. More >>

Payroll Deduction Programs

Automatic payroll deduction programs are a big benefit for an employer, as they eliminate the administrative chore of deducting insurance premiums from employees' paychecks. More >>