Breakwater Financial LLC

Let us help you navigate the complex and confusing world of employee benefits.

Why offer benefits?

The vast majority of US executives say that employee benefits help their companies attract and retain talent and that benefits are important to competitiveness.

Medical is generally the core of any benefit plan. Unfortunately as most employers are painfully aware it is also one of the fastest growing expenses.

Too often, employers view their benefits as a fixed cost believing that there is little room for savings.

However, experience shows that if properly approached employers can continue offering attractive plans while also containing or even reducing expenses.

Effective plan design can encourage employee participation which may also help lower overall costs.

Working closely with you we will develop a comprehensive and cost effective benefits package to attract and retain employees (including executive carve out plans).

We also provide onsite representation. Our representatives work with your HR department and employees to promote participation, clarify coverage and answer ongoing employee concerns.

Lastly and perhaps most importantly we will be your advocate with insurance carriers to create smooth business processing and control costs.

Learn more ...

benefits quote

or email us at quote@breakwater-financial.com

Benefit services we offer

  • Medical

    We offer traditional HMOs, PPOs, POS and the increasingly popular High Deductible Health Plan (HDHP) for catastrophic illness and injury combined with a Health Savings Account (HSA). This HDHP and HSA combination can offer tax-advantaged medical expense savings, tax-deferred retirement savings, lower premiums and greater medical freedom. Learn more ...

  • Dental & Vision

    With a comprehensive offering of dental and vision care products and services, we have the dental and vision plans to meet your needs. From dental HMOs, PPOs, discount plans to traditional indemnity plans we help bridge the gap in health care plans for routine vision or dental health care. Learn more ...

  • Group Life

    Group Life Insurance is a desirable and valuable employee benefit offering life insurance at low group rates. It may contribute to employee security, loyalty, and better morale. It may also help reduce turnover, saving money in hiring and training costs. Furthermore the employer can enjoy tax deductible premiums. Learn more ...

  • Group Short & Long Term Disability

    You and your employees prepare for major medical costs from injury or sickness using health insurance. But not considering the loss of income that may accompany a major medical expense could create signifcant problems. If like most people you or your employees count on a job to pay the mortgage, buy food etc. disability coverage should be considered. Learn more ...

  • Voluntary Employee Benefits

    Employees purchasing these services usually pay 100% of the cost which is often paid through payroll deduction. Life insurance along with short/long term disability are generally the most common voluntary benefits but specialized coverages such as critical-illness or cancer insurance are growing fast. Voluntary benefits can also include pet care, legal plans, travel services, mortgage programs etc. Learn more ...