Insurance Benefits

Providing solutions through comprehensive voluntary benefits programs.

Voluntary Benefits Products

Gaps in existing benefits programs can prove to be challenging. When core benefits are scaled back, many employees seek competitive programs to fill in these gaps. We strive to provide solutions to these challenges through comprehensive voluntary benefits programs. Our cost-effective solutions go above and beyond – enhancing the existing core benefits while providing hard-working employees and their families the solid supplemental insurance benefits they need.

Accident Insurance

Accident insurance fills in the coverage gaps between health insurance and unexpected out-of-pocket expenses, copays, and deductibles. These supplemental funds are offered as a way to provide benefits for out-of-network services, emergency room visits, accidental injuries, physical therapy or hospital stays due to an accident. An important option for anyone with an active lifestyle, accident insurance can cover the employee, as well as his/her spouse and children.

Cancer Insurance

As a way to assist families dealing with a cancer diagnosis and the resulting financial hardship, cancer insurance is available to the employee, as well as his/her spouse and children. Cancer insurance provides direct payments to the insured for expenses that are incurred related to treatment, surgery, in-patient hospital stays, and transportation costs. We offer cancer insurance as a supplement when faced with out-of-network expenses, high deductibles and out-of-pocket limits. It’s an immense help for those dealing with the emotional, physical, and financial strain of cancer diagnosis and treatment.

Critical Illness Insurance

Critical Illness coverage pays a lump-sum cash benefit to help cover the out-of-pocket expenses associated with a critical illness. No one knows what lies ahead on the road through life. Will you be diagnosed with cancer? Will you suffer a stroke, heart attack or the complete loss of hearing? The signs pointing to a critical illness are not always clear and may not be preventable, but critical illness coverage can help offer financial protection in the event you are diagnosed. Critical Illness coverage can help offer peace of mind when a critical illness diagnosis occurs.

Disability Insurance

NES provides disability insurance as a safety net to employees when faced with a covered illness or injury that prevents the employee from working. These policies pay a portion of income to the employee over a specific period of time based on the plan chosen. Income paid out to the employee is tax-free. The disability insurance provides employees with peace of mind should an unexpected illness or injury prevent work for a period of time. Maternity leave is covered under the disability plans.

Life Insurance

NES offers the financial security of term and universal life insurance policies to employees. Life insurance policies are offered through leading carriers and may include long-term care coverage, waiver of premium and living benefits in addition to the traditional death benefits. Coverage varies depending on the plan chosen and can be extended to spouses and children as well, providing added security and peace of mind.

Long-Term Care Insurance

NES offers the supplement of long-term care insurance – invaluable when extended care is needed in a nursing home, assisted living facility, adult day care facility, alzheimer’s center or through in-home care. Varied services are available through long-term care insurance and may be based on cognitive or daily living impairments beyond a predetermined period of time. Often the services available through long term care insurance are not covered by traditional health insurance.

Voluntary Dental and Vision Insurance

Health insurance plans do not always cover the dental and vision needs of an individual or family. We offer cost-effective dental insurance packages through a vast network of participating dentists. Vision plans range from discount cards for in-network vision providers to more comprehensive plans covering full eye exams, lenses and diagnostic tests. Both dental and vision insurance are available to the employee, spouse, and children.

Legal Service Plans

Expenses related to hiring an attorney can add up fast. A variety of legal service plans are available to employees, ranging from lower cost options with access to free consulting with attorneys to more costly prepaid options which include a full suite of legal services. Legal service plans often also include free services related to trusts and wills. Such plans are a great option for employees who would otherwise have no access to an attorney or knowledge of the legal system.

Identity Theft

Identity theft has become increasingly common in the last few decades. Costs related to restoring identity, stolen credit cards, bills and repairing credit can add up quickly. Identity theft protection minimizes the disruption caused to employees’ lives by providing the financial security and the guidance necessary to get through the process of reclaiming their identities.

What insurance brokers, clients, and carriers are saying...

I had the pleasure of working with National Enrollment Services, and am happy to report that they are one of the most customer-service focused organizations I have encountered. Assistance with sales was “right there,” including quick comparisons of programs. Planning and communication with us and the employer was effective and efficient. And the enrollment experience, and results were exemplary. I got very good reports from our service team, and from the employer client.

Thomas P. O’Brien, Area Vice President, Arthur J. Gallagher & Co.

I am writing to express our appreciation for the outstanding job which your firm has done over the past several years. The quality of service which you deliver is unmatched in my many years of nursing home experience.

National Enrollment Services, Inc. has consistently provided our companies with supreme service. Your people are known by the unobtrusive way in which they perform their duties and their ability to appear just when you need them. Your organization has always been eager to help us find sources to meet our needs; even when there was "nothing in it for you".

Our staff appreciates your concern for their preferences with regard to the various products which you supply; you always make sure that their input is solicited.

In every way, the service which you provide has met the highest professional standards, we appreciate that. Keep up the good work!

Maury Aaron, Owner, Dynamic Healthcare

In today’s highly competitive employee benefits market place, employers must ask themselves if the organization with whom they have partnered is merely meeting insurance needs of their employees, or, do they bring strategic value? NES is an organization that can truly become an employer’s strategic business partner by going far and above the placement of insurance products. If fully utilized, their comprehensive services, provided by the highly competent NES team, can play a major role in employee relations by providing first-in-class insurance products, effective benefits communication, multi-platform enrollment services, access to government sponsored plans that provide access to valuable coverage and many more services. So, it is plain to see why NES could be the perfect partner that can assist your company in reaching your Human Capital goals.

Joe Jamerson, Vice President/Field Personnel, Allstate Insurance

Howard and Shannon have been an integral part of our agency’s approach to providing a comprehensive employee benefits program to our clients. Fast response and ease of administration have been their hallmark for 20 years. Their services not only provide added value but added revenue to our firm. I give them an “A+”!

Lucky Lippa, Lippa Insurance Services

National Enrollment Services, I want to thank you for the great service over the years. After being in the insurance industry for over 35 years, you have delivered our agencies Vision, Values, and Goals to our clients, one of which was over 50,000 employees.

The commitment to this vision is so important and lacking in this industry overall. Happy NES is taking the lead on something that is so important.

Wayne Goshkarian, President, Dylan Consulting Services, LLC, Scottsdale, Arizona

Transamerica Employee Benefits has worked with National Enrollment Services for almost 10 years. During that time, NES has consistently demonstrated their expertise in providing comprehensive high quality enrollment services. Their attention to detail and customer service ranks among the best in the industry.

John Stein, Regional Vice President, Transamerica Employee Benefits

We partnered with NES in 2013 for our company supplemental insurance benefits. NES is a great partner for us and our employees. Between helping our employees to garner valuable tax credits for them and their families and offering a host of competitive benefits, we have found a perfect fit. Our HR and Accounting team knows that the NES staff are pros and take care of any answering employee and employer questions to ensure full understanding. The quick response is especially helpful in the day to day handling of issues or concerns that occasionally arise. NES has organized enrollment process to fit the needs of our business. Bi-Lingual enrollment, great service and support, makes for a winning team.

Mike Wendorf, Human Resources Manager, Kilian Management Services – McDonald’s

National Enrollment Services has been a great partner of Allstate Benefits for over 15 years. When it comes to meeting their clients’ and employees’ needs, NES continually goes the extra mile. No problem is too small to have their staff’s personal involvement. A great organization that I would and have referred to both brokers and employer’s.

Greg Hollern, Regional Director, Ohio Region, Allstate Benefits

Working together with Howard Labow and his team at NES is a pleasure. They are professional, knowledgeable and efficient. Looking forward to many more cases together!

Charles Alter, Owner, The Alter Agency

I have been associated with NES since 2013 and could not be more pleased with the level of service and benefits they have provided our team members! Not only has NES been professional and courteous, they have assisted our team members in recovering valuable tax credits they otherwise would not have received! This has been a huge culture builder for our facilities and made us look like heroes!

Ralph Burns, HR Director, RGB Foods

We have had a long-lasting and productive relationship with Howard Labow and National Enrollment Services. It is a pleasure to work with the staff at NES, as they are well informed, responsive and professional.

Scott Mayer, Owner, Mayer Insurance Agency