Walters Insurance Services, Inc.

Options for Employers to Provide to Their Employees Industries That We Currently Serve Our client list includes companies operating in several industries. We serve accounting firms, asphalt companies, automobile dealerships, automobile repair shops, concrete companies, consulting firms, contractors, consumer goods retailers, engineers, equipment sales and rental companies, excavators, fabrication companies, farmers, home builders, commercial laundry businesses, law firms, lawn and garden companies, painters, plumbers, specialty gift shops, sporting goods stores, local Indiana towns, trucking companies, hauling companies, veterinarians, etc. Chances are that we know what needs to be done for you and any special needs that you may have. We offer the following for employers of all sizes: Health Insurance: Traditional PPO plans offered by the major carriers in the market Self funding or partial-self funding Health Reimbursement Arrangements (HRA): Select a high deductible and lower your group’s monthly premium. The money saved with this plan design will fund part or possibly all of your obligations. Statistics show that most employees do not incur enough medical expenses to meet a $1,000 deductible, so why waste money paying a high monthly premium? Call us today to discuss this great design. Health Savings Account (HSA): Couple a qualified high deductible health plan (HDHP) with a health savings account at a bank and use tax free money to pay for your medical expenses. Un-used funds at year end roll forward for future use! Our tax expertise in this area is top notch - call Joe today! Employers, please consider endorsing and supporting long term care insurance by making an employee-paid plan available at your company. If you choose, you can implement a base plan and allow employees to buy up to a richer plan. The policies are issued as individual customized policies, but your endorsement allows employees to take advantage of discounted premiums. *Family members of employees (including spouses, parents, parents-in-law, grandparents, brothers, sisters, aunts, uncles, and children over the age of 18, etc.) can also utilize the discount to purchase their own policy. (See long term care)