HFS Benefits Group

As a division of Heritage Financial Services, HFS Benefits is a comprehensive employee benefits company staffed with experienced professionals to assist businesses in the evaluation of existing benefit plans and when appropriate, the implementation of new plans that match the company's current needs. Our goal is to understand what a company is attempting to accomplish through the benefits they offer, evaluate the extent to which that is happening and offer recommendations to better meet the company's needs.

We in essense "partner" with our clients to help them manage health care costs and provide benefits that enhance employee moral and encourage healthy lifestyle activities. All of which will improve the quality of employee performance.

The products and services we offer are in two areas: Health and Welfare and Administrative Services.

Health and Welfare Services

-Group Medical, Dental, Vision

Group Life, AD&D, Dependent Life

Voluntary Life for Employee and  Dependents

Employee Benefit Consulting

Health Savings Accounts

COBRA Administration Assistance

Section 125 Administration

Cafeteria Plans

Voluntary Benefits

Long-Term and Short-Term Disability (basic and voluntary)

Business Travel Accident

Executive Benefits

Long Term Care

Individual Plans (including medical, short-term medical and Medicare Supplements)

Administrative Services

-Employee Communications and Education

Form 5500 Preparation

Plan Document/Summary Plan Description Development

Preparation and evaluation of quarterly, semi-annual and/or annual plan

Assistance with carrier/provider billing issues

Assistance with claim/eligibility issues