Buy Your Benefits from FPA

 A health coverage plan provided by an employer or organization to its employees. It offers medical benefits such as hospitalization, doctor visits, prescription drugs, and preventive care. These plans typically have lower premiums than individual health insurance because the risk is spread across a larger group. Employers often share the cost of premiums with employees, making it a cost-effective way for individuals to get health coverage. This benefit is provided by our partner Invictus Group Benefits. 

 A retirement savings plan that allows multiple, unrelated employers to participate in a single 401(k) plan. This structure enables small and mid-sized businesses to offer competitive retirement benefits while sharing administrative costs, fiduciary responsibilities, and compliance burdens. MEPs can provide economies of scale, professional plan management, and potential cost savings compared to maintaining separate 401(k) plans. Employers in an MEP must meet specific eligibility requirements, and the plan is typically overseen by a lead sponsor or administrator. Please download and fill out a census below before submitting any form.

 A type of life insurance policy that provides coverage to a group of people, typically employees of a company or members of an organization. The employer or organization owns the policy and offers coverage to members, often at a lower cost than individual policies. Coverage is usually provided as a benefit, either fully paid by the employer or with shared contributions. Group life insurance policies generally offer basic coverage, with the option for individuals to purchase additional coverage if needed. Please download and fill out a census below before submitting any form.

A plan that  provides employees with income replacement if they are unable to work due to a qualifying short-term illness, injury, or medical condition (such as surgery or pregnancy recovery). This employer-sponsored benefit typically covers a percentage of the employee’s salary (e.g., 50–70%) for a set duration, usually between a few weeks to six months. It helps employees maintain financial stability while they recover, and coverage details vary based on the policy and employer plan. Please download and fill out a census below before submitting any form.

A plan that provides income protection to employees who become unable to work due to a serious illness or injury. Typically offered by employers as part of a benefits package, this insurance replaces a portion of the employee’s salary—usually between 50% and 70%—after an initial waiting period (often 90 days or more). Benefits may continue for several years or until retirement, depending on the policy terms. Group LTD insurance is generally more affordable than individual coverage and may be employer-paid, employee-paid, or shared. Please download and fill out a census below before submitting any form.

 A type of dental coverage provided by employers or other organizations to their employees. It typically offers lower premiums and broader coverage compared to individual plans, as costs are shared among the group. These plans often cover preventive care (e.g., cleanings, exams), basic procedures (e.g., fillings, extractions), and major treatments (e.g., crowns, root canals) at reduced rates. Employers may fully or partially subsidize the premiums, making dental care more affordable for participants. Please download and fill out a census below before submitting any form. 

 A type of employer-sponsored insurance that helps cover the cost of eye care for employees and their dependents. It typically includes benefits such as routine eye exams, prescription eyeglasses, contact lenses, and discounts on vision correction procedures. Employers often offer it as part of a benefits package, either fully paid or with employee contributions. This coverage helps employees maintain eye health while reducing out-of-pocket costs for vision-related expenses. Please download and fill out a census below before submitting any form. 

• Life Insurance: A policy that provides a lump-sum payment (death benefit) to beneficiaries upon the policyholder’s death. It helps cover financial needs such as funeral costs, debts, and lost income.
   
• Disability Insurance: A policy that replaces a portion of the insured person's income if they become unable to work due to illness or injury. It helps cover daily living expenses and financial obligations during periods of disability.
   
• Long-Term Care Insurance: A policy that covers the costs of extended care services, such as nursing homes, assisted living, or in-home care, for individuals who can no longer perform daily activities independently due to aging, illness, or disability.

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