Employee Benefits

PSG Washington is committed to ensuring the long-term viability of our clients’ employee benefit programs. Our experience in providing innovative and cost-saving strategies—as well as our problem-solving approach to key benefit issues and changing healthcare reform guidelines—enables our clients to consistently attract, recruit and retain the best employees for their business.

We can help you choose, design and implement the employee benefit package that’s right for you. Our comprehensive variety of group and individual benefit options includes:

Medical

PSG works with leading insurance companies across the U.S., offering comprehensive health insurance packages at competitive prices. We closely monitor developments affecting healthcare coverage for employees and offer guidance to our customers so they can make the best decisions for their business.

Dental

Dental insurance (including both basic and major services) promotes valuable preventive dental services for employees. Working with leading dental carriers, PSG structures benefits plans that meet the needs and budget of your business.

 Disability

PSG and our network of carriers offer an array of disability plans to protect employees in the event of a disabling illness or accident. Programs include employer-paid, employee-paid or both.

 Life/AD&D 

PSG understands the critical importance of identifying the most favorable market rates and terms for employee group life and AD&D insurance. Our team helps customers with industry-specific terms (when needed) and the benefits of federal tax-deductible premiums where available.

Voluntary Plans 

We offer guidance, based on more than 30 years of experience, in recommending the right products for employees seeking voluntary insurance coverage (including permanent and term life insurance, dental, vision, disability and critical illness insurance).

Section 125 Cafeteria Plans

PSG helps employers design a Section 125 cafeteria plan that permits employees to pay for qualified benefits on a pretax basis. The result is a savings for your workforce and your business, by reducing FICA and FUTA taxes.

Self-insured Plans

We offer self-insured plans—providing employers with the option to purchase specific types of insurance—as an alternative to fully-insured plans.

 Employee Assistance Programs

An Employee Assistance Program is a confidential information, support and referral resource to help employees maintain their mental health and emotional well-being. We help businesses design an EAP that’s best for their employees.

Employee Communications

Employees derive more value from a benefits package when they fully understand what’s available to them. PSG provides a secure website customized for each of our clients. Employees can download forms, access provider directories, view benefit summaries and find a wealth of resources to get the most from their plans. We also sponsor employee benefits meetings and host a call-in center for employee claims issues.

Short- and Long-Term Disability

When an employee falls victim to an accident or illness, the business is affected as well.  An affordable, properly designed short-term disability plan offers protection and benefits to employers and employees alike.

When illness or injury results in an extended absence from the job, long-term disability protection helps cover the employee’s medical and living expenses. PSG offers flexible design and benefit options with low-cost, tax-deductible premiums.