Employee Benefits

Plan Summaries

Benefits have been increasing at a rate well in excess of the current rate of inflation. Most employers have had to either absorb the inflationary pressure of the cost increase or pass these costs off to their employees in the form of payroll deductions. These don’t have to be the only options. Proper plan design can allow you to offer your employees quality coverage without sacrificing benefits while also controlling excessive rate increases.

Contracts and benefits can be difficult for most of us to understand. Employees become dissatisfied or frustrated sometimes due to lack of understanding. We encourage employees to call our office and speak with a representative if they need assistance.

Basic Concepts Financial Services, Inc. can assist you and your company in purchasing the following employee benefits:

- Group Health Plans including Health Savings Accounts and Health Reimbursement plans
- Cafeteria Section 125 Plans and Premium Only plans
- Dental benefits
- Direct Reimbursement Plans
- Vision Benefits
- Short Term Disability
- Long Term Disability
- Group Term Life and AD&D
- Group LongTerm Care
- COBRA services
- Qualified Retirement Plans, 401K, Pension and Profit Sharing Plans
- Payroll deducted supplemental insurance programs

Please click the above link (Plan Summaries) to view some of the health, dental and vision plans that are available or click on the graphic below to view some frequently asked questions.

FAQ Though Bubbles


52 Pine Creek Road, Suite 203, Wexford, PA 15090

*Registered Representatives of, and Securities and Investment Advisory Services offered through Hornor, Townsend & Kent, Inc., (HTK), Registered Investment Advisor, Member FINRA/SIPC, 130 Springside Dr., Suite 100, Akron, OH 44333, 1-330-668-9065.  Our representatives are insurance and securities licensed in their resident states, including other states.  For further licensing information, please call our main number listed in the location page.  This is not an offer or solicitation in any state where not properly licensed and/or registered.  Basic Concepts Financial Services is not affiliated with HTK.  The content within this section is for educational purposes only and should not be construed as investment advice.  It is important to note that the implementation of any strategies provided as part of the LEAP process are designed to aid one in reaching their financial goals, but no assurance can be made that these goals will in fact be reached.  Individual results may vary.  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 a 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 clients shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.
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