Protect loved ones from financial hardship and gain peace of mind knowing your family & business are taken care of. It's impossible to know what the future holds. At Hummel Group, we help you think through the potential risks ahead and how to reduce or eliminate their impact on your financial goals.
You have people in your life that depend on you, including family, business partners and employees. Help alleviate the financial burden if something were to happen to you. How would you family or business support themselves if you died? A life insurance policy can help mitigate these concerns.
On average, people today receive long term care for 4.5 years outside a nursing home and 2.5 years inside of one. The costs are high and continue to grow. Where will the money come from if you need care?
Your income allows you to support your standard of living. What would happen if you became sick or hurt and unable to earn that income? What would happen to your financial goals? Disability Income Insurance helps protect that income.
We can help your employees with:
Employers can start a new health insurance plan at any point throughout the year.
The minimum number of employees is typically two for a group plan but certain carriers have group options that allow down to one. Each carrier views this a bit differently and has its own set of stipulations. Hummel Group will look at your individual situation and determine what options are available to you.
Generally speaking, an employee must be full-time (minimum of 30 hours per week) and receive a W-2 Tax Statement to be eligible for health insurance.
1099 employees can be considered on a case-by-case basis.
Employers with less than 50 full-time equivalents are not required to offer health insurance so, there is no penalty.
This varies widely and depends on several factors that are unique to you and your business. Give us a call if you would like to discuss your benefits strategy or see quotes for your employer-sponsored plan.
No, but you can purchase some plans that will cover specific situations to put cash back in your pocket to help pay for your deductibles.
When it comes to insurance for farms, this means that your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company.
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.