Businesses want to attract and retain their most important asset, their employees. The David Gilston Insurance Agency has helped businesses achieve that goal for over 60 years with comprehensive employee benefit packages. You can depend on our experienced team to evaluate your insurance objectives, research the market and obtain competitive quotes from multiple insurance companies, conduct enrollment meetings and implement the insurance plan, and finally to serve as a resource when questions arise. HR Administrators and employees also have direct access to our dedicated service staff for issues regarding claims, billing and eligibility.

As a full-service firm representing stable, quality carriers that have innovative products and funding arrangements, you can turn to us for expert advice and assistance for your health, life, disability, vision and dental insurance needs.

Work with one of our agents to evaluate your situation and create an insurance plan that meets your needs and budget! Contact us by calling 800.445.7866 or e-mailing workplace@dgilston.com today!

MAJOR MEDICAL

Group major medical plans are available in South Carolina for any group of two or more full-time (30 hours per week or more) employees. Benefits, participation rules and underwriting guidelines vary greatly between carriers. There are many ways to put together affordable benefit designs to meet the needs of an employer, including Health Reimbursement Arrangements (HRA) and Health Savings Accounts (HSA). Unlike the individual market, groups of two to 50 employees are guaranteed issue regardless of health, however, the group's premium can be increased up to 67% depending upon the overall health of the group.

• A: Fully Insured
• B: Level Funded
• C: ICHRA

GROUP DENTAL

Group dental plans are available on either an employer pay or a voluntary basis. When the employer contributes, the premiums are less expensive and participation requirements apply. Benefit structures are fairly standard among carriers, however, determining what percentile of allowed charges the carrier uses for paying benefits is very important. Waiting periods may or may not apply. Most companies offer optional orthodontics coverage for dependents of larger groups as an added benefit.

GROUP LIFE / LONG-TERM DISABILITY / SHORT-TERM DISABILITY

Group life, long-term disability (LTD) and short-term disability (STD) plans are available on an employer pay or voluntary basis. The employer generally selects the parameters of the plan such as waiting periods, benefit amounts, and benefit periods. These programs provide benefits for loss of earnings due to death or a disabling injury or sickness. Often times LTD and STD plans can be blended together to allow the employer to optimize premium and benefits. Certain limits apply to guaranteed issue amounts and benefit percentages of income. Short-term disability (STD) plans provide protection against loss of earnings due to disabling injury or sickness. Those insured select a waiting period that must be met before benefits begin, how long the benefits are payable, as well as many optional benefits such as residual benefits and cost of living adjustments. These programs are strictly underwritten and individuals can usually secure coverage of up to 66 2/3% of their pre-disability earnings.

THIRD-PARTY ADMINISTRATORS

TPAs collect premiums and process claims pursuant to a service contract and may also provide one or more administrative services pursuant to life or health coverage. Third-party administrators do not include a carrier or employer sponsoring a plan.