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We chose the name Mainline because we deal with the main concerns of life such as health, disability, retirement and fatality. We take these main concerns and transfer the risk into a line of reliable protection.
WHO WE
ARE
Mainline Insurance is a one-stop group employee benefit organization providing health, disability, dental, life, vision insurance and retirement programs. Since 1976 the Founders of Mainline Insurance have provided insightful benefit consulting to over 500 companies, from proprietorships to the distinct needs of nonprofits. Our exceptional team is dedicated to developing specialized benefit plans to help secure both your employees’ financial security as well as your corporate financial objectives. Our main concern is to assist all of our clients in transferring financial risk associated with medical care, disability retirement, elder care and fatality by creative cost-effective solutions, so our clients’ financial and human resource objectives can be met.
WHAT WE DO
Mainline Insurance specializes in providing strategic employee benefit services to companies that wish to get the most value from their employee benefit program. Our approach to employee benefits is simple and, more importantly, logical. As your employee benefits advisor, our goal is to help you by providing:
+ Expert advice, born of experience.
+ Creative benefit solutions.
+ Responsive, proactive customer service.
+ Plans specially structured to fit within budgetary guidelines.
+ Customer service that treats each client on an individual basis and strives to understand the needs and personality of your company.
Our functions include: + Vendor negotiations.
In essence, we become an extension of your human resources efforts.
+ Competitive analysis in a clear, concise manner.
+ Benefit communications to employees.
+ Continual support for newly enrolled employees.
+ Handling claims issues and billing discrepancies.
+ Updates on new concepts entering the marketplace.
WHY
MAINLINE? We understand. Group benefits provided through the workplace are a major component of almost everyone’s financial security. While employees rank the quality of benefits as a major consideration in their decision to accept a job, employers rank the challenge of controlling benefit costs as one of their top concerns.
+ We have over 25 years of concentrated experience with employee benefits.
+ Excellent rapport with insurance carriers.
+ We know how to effectively maximize and allocate benefit dollars.
+ We customize solutions: financial constraints, employee issues and business goals are all
considered in formulating the right benefit package for your company. + Targeted communications: on-site orientation meetings to review and answer questions concerning the updated benefit package. A Mainline Insurance customer-service representative assigned to your company to build a customized and strong working relationship, ensuring
that your employees understand the value of their benefit program. + We act as your advocate when presenting choices of benefits to your employees. As a third
party, we explain the custom-designed benefit package and its wide range of services. + We handle day-to-day administration of keeping up-to-date records of employees, including: dependent-status changes, claims issues, billing issues and Cobra. We handle all the follow
up in order to free up your staff to work on your core business. + We have a dedicated team of plan-design specialists to help you meet your goals and objectives and maintain a seamless program.
WHAT WE
OFFER + Health insurance: fully insured and partially self-funded. + Dental and vision insurance. + Life and disability insurance. + Voluntary benefits at no cost to employer. + Long-term care insurance (home health care, assisted living and nursing home) on a group list bill. + Flexible Spending Accounts (FSAs). This benefit is an employee-owned account that uses pretax dollars to pay for day care and out-of-pocket medical/dental/vision expenses. + Health Savings Account (HSAs). Health insurance companies are concentrating efforts in this direction, allowing them to offer more cost-effective plans. + 401k and 403b for nonprofit organizations. + Option to provide more than one carrier to give employees more choices. + Custom-designed rate tier structure to provide a lower premium for families. + Innovative carve-out programs. + Packaged programs for firms with 2-50 employees. This concept allows employees to select from 4-5 insurance companies. You pick a benchmark plan and allocate a certain dollar amount per employee. If the employee picks a richer plan design they are responsible for the extra expense. In general, this concept has been reserved for very large corporations and municipalities.
OUR SPECIALIZED SERVICES‌ We have an executive benefit division specializing in tax and compensation issues that are most important to business owners, key executives and management, including:
+ Buy and sell agreements: stock redemption, cross purchase, entity purchase, life insurance loan collateralization.
+ Key person program.
+ Executive bonus.
+ Deferred compensation.
+ Estate planning.
+ Long-term care (home health care, assisted living and nursing home).
WHAT’S
NEXT? + Our marketing department will schedule a mutually convenient appointment at your site. + We analyze your current benefit package. + We discuss your objectives and suggest strategies. + We create side-by-side comparisons and financial models. + We review the possibility of a partial self-funded program based on claims history and employee count. (Usually at 200+ employees). + We coordinate and manage the entire implementation process from start to finish.
WHAT PEOPLE ARE SAYING… QUEENS LAW
GARRET CONSTRUCTION CORP.
“Mainline executed every level of our insurance
“I spent years building this business from the
program and knew enough about our company
ground up and I needed a company that could care
to talk to us on our terms.”
as much about it as I do. Mainline understood.”
—Joseph Vaccarino, President PHILIP O’HARA ASSOCIATES Title and Abstract
—James Garrett, President STEINWAY CHILD AND FAMILY SERVICES
“With all the paper work we have to do we appreci-
“As a nonprofit, our organization has particular
ate it when Mainline anticipates all of our needs.”
needs. Mainline addressed those needs with the
—Richard Merlo, President ON TIME TRUCKING “Mainline assessed our company’s situation and came back to us with solutions that worked.” —Patricia Leitgeb, Vice President
insight and knowledge that can only come from their years of experience.” —Lewis E. Duckett, Vice President