A benefits program that considers both your team and your business.
Independent advice · Merrick, NY
Employee benefits are an important part of how a business supports its workforce. Choosing a program means balancing employee needs, employer contributions, plan features, and ongoing costs—not simply comparing a monthly premium.
The David Jacobs Agency helps Long Island employers explore group health, dental, vision, life, and disability options. We review your workforce and priorities, compare available choices, and discuss the details employees need to understand when selecting benefits.
Compare access to care, out-of-pocket costs, and benefits employees may use regularly.
Group health insurance helps eligible employees access covered medical care. Plans differ in provider networks, deductibles, copayments, coinsurance, and prescription benefits. Employers should consider both premium contributions and the expenses employees may face when they use care.
What to review
Group dental coverage may help with preventive care and certain basic or major dental services. Benefits depend on the plan's network, annual maximums, waiting periods, and service categories. Orthodontic benefits are not included in every plan and should be reviewed separately.
What to review
Group vision benefits commonly help with routine eye exams and eligible eyewear or contact lenses. Allowances, provider networks, and the frequency of covered services differ by plan. Routine vision benefits should be distinguished from medical treatment for eye conditions.
What to review
Review benefits that can help employees and their families manage a loss of income.
Group disability coverage can provide eligible employees with a portion of income during a covered disability. Short-term and long-term arrangements have different benefit periods and may work alongside state-required programs. A benefits review should distinguish mandatory requirements from optional additional protection.
What to review
Group life insurance can provide a death benefit for eligible employees, with additional employee or dependent options available under some plans. Benefit amounts, enrollment rules, and whether coverage can continue after employment ends vary by policy.
What to review
A few details can help us make your coverage review more useful.
Please do not send medical records, Social Security numbers, or other sensitive personal information through the website or ordinary email.
Common questions
This information is a general guide, not a description of any specific policy or a guarantee of coverage. Availability, eligibility, limits, exclusions, and benefits vary by insurer and policy. Your policy documents govern coverage. Contact the agency for advice about your circumstances; coverage cannot be bound or changed through this website or email.
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