Employee Benefits
Since 1969, National Insurance Services (NIS) has been the trusted partner for public sector organizations, understanding your unique benefit needs like no other. While any broker can offer a low price, NIS goes beyond that. Our team of experts, specializing in public sector employees, brings over five decades of experience to the table. We stay ahead of the curve with the latest healthcare trends, solutions, and strategies, and we are deeply attuned to the political climate, budgetary constraints, and negotiations that are unique to your world. We understand how you work.
For example, we don't just give you a checklist and "to-dos"- we will actually partner with you at the negotiating table or boardroom, or, if you prefer, provide a list of talking points for your board. Whether it's Health, Disability, HRA, early retiree benefits, or any other employee benefits, we've got an expert on hand at your service. We will even pour over your contracts to find ways to save that you didn't even know existed and do a Gap Analysis to be sure your benefits match your contracts.
97%
Proven Track Record: 97% of Our Customers Renew Their Contracts with Us Every Year
This statistic speaks for itself, no one else can say that. When it comes down to it, our customers renew because they get the pricing and service they expect. You need a partner. NIS is the partner you are looking for.
Here's some of the employee benefits that we offer:
Health insurance covers some or all of the medical expenses related to injuries, illnesses, and other conditions including preventative care, treatment of chronic illnesses, and emergency care.
Our employee benefits consultants can provide an array of services to employers including:
- Health insurance evaluation and plan design
- Employment contract review
- Other-Post-Employment-Benefit (OPEB) Strategy Evaluation
Disability insurance protects an employee’s most important asset, the ability to make a living. Disability insurance can pay a part of an employee’s income, should they become too sick or injured to work. A short term policy can help immediately after an incident while a long term policy can provide financial protection that can last for years.
Having adequate life insurance provides a strong foundation to an employee’s financial plan. Life insurance benefits can help families pay for funeral expenses, medical bills, debt, as well as provide an income for their family if the employee is no longer there to support them.
Boost the value of your benefit package with one of the most requested benefits - dental insurance. Dental insurance breaks down the barrier to routine preventative dental care and can lessen the claims risk on your health insurance plan.
Vision insurance is a wellness benefit primarily designed to eliminate barriers to routine eye exams, screenings, eyeglasses, and contact lenses.
With medical costs rising about seven percent annually, public sector organizations are adapting by offering health insurance plans with higher deductibles and lower premiums. As a result, medical savings accounts like HRAs, HSAs, and FSAs have become popular for offsetting out-of-pocket expenses. These accounts not only cover costs like deductibles, copays, and dental and vision expenses but also offer tax advantages that can help employees build a substantial retirement nest egg. In addition to medical savings accounts for active employees, NIS also offers retiree solutions.
Worksite benefits can help supplement your employees’ core health benefits by providing additional protection if the employee or their covered dependents suffer a covered accident, injury, or hospitalization. The tax-free benefit payments can help employees cover out-of-pocket expenses not fully covered by regular health insurance.
