Innovative Benefit Solutions
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Group Benefit Services: Strong is Customer Service. Grounded in Experience.
Individual Benefit Services
Health Insurance
Ancillary Insurance
CDHP’s: HSA’s,
HRA’s, FSA’s
HR/OD Consultation
401K/Pension Plans
Business/Company
Liability Insurance
Voluntary Benefits
Giving your employees a piece of mind from the unexpected surprises life so often throws at us.
Many types of ancillary insurance coverage can protect your employees and their loved ones from extreme financial hardship. Some of these types of coverage such as Life Insurance, Disability Insurance (STD/LTD), AD&D, and Dental Insurance, are available from top rated insurance companies through Innovative Benefit Solutions.

It is never a pleasant thing to think about negative possibilities. However it is always the right thing to protect your self and your family from the effects of these possibilities. Innovative Benefit Solutions has all the right tools, including calculators to help you understand what the right amount of protections is needed for your situation. We are here to help educate you and answer any questions you may have, so you feel comfortable and confident in the decisions you make.

Life Insurance
Life insurance is insurance that will protect your family and/or specified dependents in the event of the policy holder’s death. In general, it is an essential component in planning for the future. There are many options with coverage, depending on your situation. The three main categories of life insurance are: term life, universal life, and whole life insurance.
 
Disability Insurance
Disability coverage provides wage replacement to individuals who experience wage loss due to a disability.
 
AD&D
Accidental Death and Dismemberment insurance provides protection in cases of serious injury or death resulting from an accident.
 
Dental Insurance
Dental Insurance behaves much like health/medical insurance, with deductibles and co-payments, as well as HMO’s, PPO’s and Traditional coverage. Dental plans usually cover three different areas in different ways; Preventive, Restorative, Constructive.

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