We make sure your benefits package performs for you and your employees.

Health Insurance

For today's employees, health insurance is the most important benefit.

• We do an in-depth analysis of each customer's health plan requirements and match them with the program which best fits their needs.
• We work with fully insured and self-insured Medical/Dental/Vision programs.
• We play an active role in the ongoing service of our customers.
• We are always available to assist with enrollment, questions, or concerns.

Dental Insurance

Dental benefits are used more often than any other employee benefit. HRH Northern New England can design a plan that is flexible enough to meet our customers' unique needs.

Life Insurance

HRH Northern New England provides Supplemental Life programs that have the flexibility to meet our customers' unique needs. We help employers control their benefit costs, while allowing employees the ability to protect their families from the financial hardships associated with the loss of life.

-Let us advise you on reducing the cost and impact of disabilities on your business.-

Short Term Disability (STD)

A good Short Term Disability Program is the first step in gaining control of employee disability costs. Your sick leave, salary continuation program, STD, and Long Term Disability plans need to be coordinated. Significant expense to employers can occur if methods for tracking costs and managing claims are not integrated.

We Can:

• Tailor a specific plan to fit your needs.
• Coordinate with Long Term Disability coverage for early intervention of claims, rehabilitation, and return to work programs.

Long Term Disability (LTD)

Long Term Disability coverage is designed to minimize the impact of serious illness on both the employee and the employer.

LTD Works For You By:

• Providing income protection for the disabled employee.
• Assisting you with effective management of disabilities when they occur.
• Minimizing the impact on your company's productivity and morale.
• Employees recognize LTD as a competitive, useful benefit that is an attractive, sought-after addition to their benefits package.

Let us bring to you a flexible, responsive package that meets your company's unique needs.

Retirement Plans

We can access a broad range of retirement products to help our customers meet their corporate and individual retirement needs in the areas of:

• 401 K
• Profit Sharing
• 403 B
• Money Purchase
• Defined Benefit
• Non Qualified
• Defined Compensation

Long Term Care (LTC)

HRH Northern New England's Employee Benefits Department can offer expertise to employers, employees, and their dependents on the expenses of uninsured Long Term Care.

LTC is the kind of care received when someone needs assistance with daily living due to injury, illness, or advancing age, either at home or in a facility. Right now, the need for LTC touches 8 out of 10 American families in the United States; this need is expected to increase rapidly due to advancing medical technology and an aging population.

Long Term Care Coverage Can:

• Protect your employees and their families from the potentially catastrophic cost of long term care.
• Assist your employees in balancing work and caring for a family member who may need long term care.
• Provide a valued work-family benefit at a surprisingly affordable cost - one that employees are often willing to share.