What we do
We make your administrative life easier, so you can focus on the growth of your business. RNK Insurance Services does all the leg work: helping administer employee benefits whether mid-year or at renewal, streamline your administration process regarding insurance related hiring, firing, benefit questions, COBRA, etc. We make sure you stay compliant and up to date on the latest laws and regulations to avoid unnecessary fines or fees. We can also reduce payroll taxes via section 125.
A group health insurance plan is a health insurance plan that provides coverage to members of a group that tends to be employees of a company or members of an organization. Members of the group usually receive insurance at a reduced cost because the insurer's risk is spread across a group of policyholders.
The dental insurance plan pays the dental office on a traditional fee-for-service basis. A monthly premium is paid by the client and/or the employer to an insurance company, which then reimburses them for the services rendered.
The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.
Disability coverage, both Short Term and Long Term, is a benefit program designed to provide income replacement in the event you become disabled due to an injury or illness and cannot perform the duties of your normal occupation.
Employee assistance program
An Employee Assistance Program (EAP) is a voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems.
Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policyowner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.
Guardian helps plan participants save for college
Guardian plan participants can get insurance that includes a college tuition benefit. As the cost of college continues to rise, Guardian is helping families keep up by providing this exclusive benefit that can be used at over 370 colleges and universities that participate with SAGE Scholars. This is a great tool to attract and retain employees and increase voluntary participation.
How does it work?
By enrolling in a Guardian plan, participants can earn 2,000 Tuition Rewards® annually for each type of eligible Guardian insurance product (up to four lines).
Participants with Guardian dental receive a 2,500 bonus after the fourth year. Rewards can be given to children, grandchildren, nieces, nephews and godchildren. When registered by participant, they'll receive an additional 500 rewards each. Rewards increase each year and are kept forever.
Example below shows how a 12 year old in the family of a Guardian Dental, life, Hospital Indemnity and Critical Illness can have their tuition reduced by $58,500, spread evenly over four years.