LINDA MACKEY INSURANCE HAS EXTENSIVE EXPERIENCE WORKING WITH SMALL GROUPS!!!

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678 870 9983

"Our employees appreciate the professional manner in which you handle all of our insurance needs" 
-Max A. Bowers, BF Inkjet Media, Inc.

Small companies are often new businesses that are finding a need to either cover the owners, or are growing and finding it necessary to offer benefits in order to attract quality employees. Small businesses have very different needs than individuals and large companies, for instance their funds are usually more limited. In this case it is critical to make every dollar count.

To begin, the company must pay half of the cost of the employee- only coverage. They must also offer coverage to every full time employee. The company will have to maintain 75% participation from your employees. In order to do this, you must make sure the benefits are affordable, and may have to pay a larger percentage.  (employees covered under another qualified group plan do not count toward participation requirements)

In some cases you can offer a “Manager’s Carve Out” that only covers the management. There must be a specific difference between the managers and the rest of the employees, for instance salary and hourly.  This is typically used in high turnover businesses, and those where there is no interest on the part of the employees to have coverage.

For more information call us at
678 870 9983

I have worked with Linda Mackey for the past 7 years with both my personal and my employer related insurance issues.  She has been a wonderful resource on all accounts.
- Anthony Lawson, MD

Insurance companies insist that 75% of all full time employees who are not covered by their spouse be insured in the group policy. This is to make sure that they aren't insuring only the unhealthy employees.
It's possible to insure workers who are 1099 independent contractors, as long as they work only for you and are considered full time. Not all insurance companies will cover them so it's important to discuss this with us.

Small businesses don’t always realize that in most cases they can also offer their benefits on a pre tax basis. This saves the employee a considerable amount of money, and the employer a little of his cost, too.

Another item of note; it is important to know the company's goals. Some insurance companies have extensive coverage in other parts of the United States. Some do not. Some offer wide Georgia coverage, and some are only strong in the Atlanta area.  We want to make sure the plan we offer will fit the company for at least a year.  Although many of our groups tell us that they want to get their health insurance plans made once and then forget it, this is not advisable. Insurance companies change, your business will change, and laws change. You should count on re visiting your benefits every few years at the very least. Linda Mackey Insurance specializes in international health insurance plans for employees who are out of the country much of the year, and short term policies that are available for short international trips.

Call us for more info at
678 870 9983

"You've been doing a great job for (Company) and I know other people would like your services, too."-  L. C.

The most confusing part of health insurance is figuring out what the cost will be. The cost is determined by the age, gender and number of employees and the number of dependents that are covered, the health of the covered people, the location of the employees, the company itself, and the nature of the business. If the quote is based on a certain number of employees, and some decide not to take the plan, it will affect the rates. If the rates are determined for a small group, and more decide to take it, the rates may go down. The younger the employees and dependents, the lower the rates. You will not really know what the rates are until the employees have made their final decision and the underwriters have reviewed the final count. Once you have those rates, they are good for the year, unless there is a large change in the employee census.

It is important to consider supplemental insurance for small groups. Your employees should certainly buy disability products, even if they have to pay a portion of the cost. This will benefit them if they are hurt, and will help curb the cost of workers comp if they pretend an off-the-job disability occurs on the job, and you can’t prove otherwise.

Every company should offer a small life insurance policy that is company paid. This will keep family members from asking to pass the hat in the event of an employee’s death. The cost of these policies is very small, and it should cover both those who take the health insurance and those who don't. Passing the hat will depress the morale of any company, and the cost of being a hero is very small.

Some companies that are very forward thinking offer more than the ordinary plans. These companies allow life insurance to be sold on the premises by licensed agents. This is usually done during lunchtime. This is not to be a part of the benefits so much as a value added option.  This makes the company look great! It helps the employees who know they need more life insurance, but don’t know where to look. This can be payroll deducted, or paid by the employee by bank draft.

Call us for more info 
678 870 9983