Group Dental and Vision Insurance

At times, having a nice smile can be the difference between winning or losing a sale.  And whether they’re in front of customers or not, your employees need healthy teeth and gums to maintain good morale and workplace productivity. 

Beacon Insurance Agency can quote you low-cost / high-value

plans from the following excellent insurance companies:




Oxford OBM

Vision programs are available to complement HMO and PPO plans.

Whether the employer or the employee pays the premiums, or both pay a share of premiums, give your trusted workers the option of affordable peace of mind from one of the following insurance companies:

GuardianLincoln Life
PrudentialSun Life


As an employer, you can opt out of the New Jersey State Temporary (Short-Term) Disability plan as long as you have a private plan that offers benefits that are as generous, or more generous, than the State plan, and that isn’t more expensive for your employees.  This opt-out is subject to a vote by a majority of your employees. We can work with you and a dependable insurance company to design a plan and submit it for approval by the State.

Voluntary Benefits

Finally, some businesses give their employees the opportunity to apply for various types of individual insurance policies, paid for by the employee, through the convenience of payroll deduction. Beacon Insurance Agency can provide information and assistance in set-up and implementation.

Call us today at (908) 236-7700 to discuss your needs and how we can meet them together!

Group Life and Disability Insurance

Many people lack individual life or disability insurance.  Obtaining this coverage for your employees as a group is often less expensive than it would be for them to go out and get comparable coverage on their own. So do your employees a favor and offer them group! For groups, the following products are available:

term life

universal life

accidental death and dismemberment (AD&D)

accident and business travel accident (BTA)

critical illness

employee-assistance program (EAP)

integrated disability management (IDM) accidental

short term disability

long term disability

We can guide you efficiently and intelligently through the many available coverage choices or bundles, including:

  • In-network and out-of-network doctors and providers
  • Chiropractic
  • Primary care physician referrals required for specialists
  • Mental health
  • Emergency room
  • Rehabilitation and physical therapy
  • Diagnostic testing and imaging
  • HMO, PPO, POS, etc.
  • Prescription drugs
  • Inpatient, hospital and outpatient surgery
  • Individual and family deductibles

Another thing to consider is that in New Jersey, a business that offers health insurance to employees must pay at least 10% of the total group premiums. The employees who choose to participate would pay the balance of the premiums. Insurance carriers may require 75% participation among eligible employees, but this requirement is waived during the Employer Open Enrollment Period. As a rule of thumb, "eligible employees" are non-union workers putting in 25 hours or more per week. And generally, if an eligible employee is covered as a dependent on a spouse's or parent's employer-sponsored plan, then that employee still counts in your favor towards the 75% participation requirement (this is known as a "waiver").

Beacon Insurance Agency can help you obtain coverage from the following great health insurance companies, including a variety of plans that meet the requirements of the Affordable Care Act (ACA):



Nippon Life Benefits

United Healthcare - Oxford


 For New Jersey-based businesses, all you need to qualify as a group is two employees (including the business owner) who are not married to each other.  A husband and wife who own a business together would not be enough to qualify as a group unless there was at least one other eligible employee.  More details on eligibility are available here, or just ask us and our experienced specialists will be happy to explain it.


Talented, dependable employees are a key to the success of any business or non-profit organization. Offering quality group benefits to your employees can be a cost-effective way to attract and retain them, and keep them productive on the job!  Our group insurance products work hard to keep your employees and their families protected with peace of mind, so they are free to work hard in turn nourishing your bottom line.

Please review our Group Health, Group Dental & Vision, and Group Life & Disability information below.

Trust Beacon to guide you in selecting a suitable policy, whether you are interested in Life, Disability, Auto, Homeowner's, Annuities, or Business Insurance.

Let's Talk!  (908) 236-7700