Dan Patterson and Andy Johnson have over 20 years experience in the implementation and service of group insurance programs and specialize in voluntary programs.

Voluntary benefits allow your employees to choose the benefit plan that best protects their individual needs. Benefits offered in the workplace when properly coordinated allow the employer to offer a broad spectrum of benefits that are market driven by the demand of the employee.

Typical offerings include gap coverage for medical benefits, accident, cancer, critical illness, short term disability, long term disability, group and permanent life insurance.

One popular program is a voluntary portable disability contract that will help offset the loss of income to taxation, during a disability, by providing tax free benefits in addition to the taxable group benefit offered by the employer. Also, self completing contributions to the employee’s retirement account can be accomplished, that normally would cease during the time of disability. Some plans can be exchanged for a guaranteed issued long term care policy when the need for disability coverage no longer exists between age 60 and 70.

Patterson & Johnson also offer Captive Insurance programs for a fresh new approach to Workers Compensation plans, putting the business owner in command of the direction that their state mandated plan takes. This concept is a more cost effective alternative to typical self funded workers compensation plans for those employers who qualify.

Ever discussed “Excess Insurance Capacity”? This may be an excellent opportunity for retiring employees to increase their retirement assets.

Patterson & Johnson represent UNUMProvident, Aflac, Allstate, Genworth, Mutual of Omaha, Aviva, MetLife, Reliance Standard and many more.