How Do We Benefit You?

We Partner With Small Business

We specialize in partnering with small businesses of employee group sizes from 1 to 200 to help find the very best benefits solutions for their employee benefit needs. This involves our offering the following services:

We find the best fit of Insurance Carriers to meet the Employer's desired benefit offerings (including Employer Paid or Employee Voluntary Benefits) We volunteer to meet with employees to educate them on mitigating risk and protecting their future w/ coverages offered by their employer. We work alongside our Human Resources counterparts to support them through the entire enrollment process and to assist w/ enrolling new employees added later and Open Annual Enrollments.

We Seek And Find Competitive Products

As independent Benefit Advisors, we see out the most competitive products from various carriers to match the Employer AND Employee goals. Group product offerings include:

Group Life with Accidental Death and Dismemberment, Disability Income, Dental, Vision, Business Travel Employee Voluntary Term Life, Universal Life with Long Term Care, Whole Life, Disability Income Medical Gap plans to cover higher out of pocket expenses for employees and dependents Supplemental Accident, Cancer, Critical Illness, Hospital Income

We Offer COBRA Administration Services

We offer COBRA Administration services to Employers who are subject to the Federal COBRA law. It generally applies to employers who had 20 full time employees during the prior calendar year. Many employers are not aware that they are subject to the law, nor the IRS and DOL financial penalties that occur when out of compliance.

We Meet Personal Insurance Needs Too

We are also able to help individuals with their personal insurance needs. Products available to individuals include:

> Term Life, Universal Life, Whole Life, Guaranteed Issue Whole Life
> Disability Income Protection
> Long Term Care
> Annuities
> Short Term Medical and Travel Medical
> Supplemental Accident, Cancer, Critical Illness
> Individual Dental
> Final Expense Plans
> Hospital Indemnity

All About Cornerstone

We believe Cornerstone means security. Our mission is to be a pivotal piece of creating a secure foundation for our clients financial future. At Cornerstone Benefits Services Inc., having family as our main priority, we value the importance of providing employees and their families the security needed for their futures.