DGS Benefits is pleased to provide the following services:

Changes sweeping the health care industry have put numerous price controls in place, moving the emphasis away from cost and toward service.  While health insurance has become more of a buyer's market than ever before, the key to successful purchase is knowing the market place - not only who are the carriers, but how promptly and effectively do they handle claims?  Which physicians and hospitals are in their network? Do their providers take new patients?

As the market continues its state of rapid flux, it's critical to be attuned to underlying factors.  One carrier may have the best price today, but is it likely to recapture this year's lost revenue at next year's renewal?  And what is its service really like?  DGS is constantly immersed in the market, so we're aware of industry nuances unknown to others.  Click here for Medical Insurance Quotes.

This valuable program helps contain the cost of health care and other expenditures, buffering the financial impact to your employees.  This pretax savings plan covers medical and/or discretionary expenses - ranging from child care to cosmetic surgery.  Approved under internal Revenue Code, it allows employees to set aside money in a special account; because that money is not treated as taxable income, employees obtain valuable taxable income and valuable tax savings.  Various options are available within this program:

• Premium only plan (POP) - for medical premiums only
• Flexible spending account - for expenses that go beyond medical premiums (such as child care)
• Cafeteria plan - allows employees to select the options that best fit their needs

Executive officers at many companies, unfortunately, think of life insurance only as an after-thought to medical insurance, rather than giving it the consideration it deserves as a key element in the benefits scheme.  It's an inexpensive way to round out compensation packages, and employees view its inclusion as an important indication of an employer's concern for both tem and their family.   With this benefit, employees rest easier knowing that, in the event of a tragedy, their family would not be left out in the code.

Life insurance may, to a company, seem like an unnecessary outlay - but to an employee with no coverage it's an important benefit indeed. Employees' freedom from worry about what could be their family's financial undoing is worth far more than the minimal expense involved.

Imagine that you could be in a win - win pension situation:  Your employees invest tax - sheltered income in one of the foremost fund families available today - with a wide choice of income opportunities, from conservative through aggressive.  And your company reaps numerous rewards:  "one-stop shopping" - investments and administration reliably handled in one comprehensive package- as well as corporate tax benefits and gratified employees.

You no longer have to be burdened with a mediocre plan that has inferior service or support, limited investment choice or poor results, high administration costs, or non-local agent that can't provide the service you need.  DGS  Benefits can put a distinctive, lucrative 401k in place for you- a premier plan that already has a legion of satisfied participants.  And because education is crucial for employees to feel comfortable in any type of investment plan, we'll provide informative materials and arrange for a representative to come to your firm to fully explain the plan and investment options to your employees.

Once the plan is in place regular statements keep you employees up to date on fund performance and current balance.

Today, a 401k is the number-one pension plan available because of its broad appeal:  Employees from all economic situations can direct their own investment choices,  They like having choices, and employers like providing qualified compensation  with out having to make investment selections on their employees' behalf.

This cost-effective program is, lamentably, under publicized and underused.  The impact of an employee's disability can be devastating-physically and financially-to the employee, to his family, and to your company.  Fortunately, a potentially disastrous hardship can easily be averted through this low-cost insurance that protects employees' income in the event of an accident or illness.  This "sleeper" benefit allows both you and your employees to sleep easier.

This ancillary benefit can be paid either by the company or by the employee on a voluntary basis.   Under the latter scenario, the employer pays nothing, serving simply as a sponsor who administers the plan for employees who wish to participate.   either way, this is an important perk because the cost for individual dental plans is often prohibitively expensive, leaving many employees no choice but to forego coverage if their company doesn't offer sponsorship.

Most employers provide incentive matching contributions; a relatively small outlay keeps benefits packages competitive by allowing employees to significantly increase their tax-sheltered savings.  These corporate contributions, and accompanying administrative expenses, are generally tax deductible.  Additional benefits:  Employees can borrow against their accounts and can stop their contributions at any time.

Non-qualified compensation, often referred to as "top hat" or discriminatory benefits, "golden parachutes," or  "golden handcuffs" - serves to maximize executives; remuneration over and above their pension.  These benefits usually take the form of life insurance and are known as split dollar, deferred compensation, or executive bonus plans.

COBRA is a complex program that requires careful management. It is a cost-effective program for employees who are laid off or disabled, or for the spouse of an employee who dies or divorces. While seemingly not a critical plan element, it is vital for a company to have COBRA coverage in the event of a problem with termination or disability. DGS advises you regarding COBRA, outsourcing to an administrator that is an excellent source of information0and also takes care of submitting the right forms at the right time so you don't have to.

DGS benefits offers another value-added service:  corporate and individual tax planning and analysis.  We'll take care of your tax requirements and, undoubtedly, save money for your company as well.  You'll work with a top-notch tax consultant who'll sit down with you to review your expenses, accounting procedures, internal controls, and policies.  He'll find tax savings by making certain that you are taking all available discounts, show you ways to consolidate expenses, analyze lease vs. purchase options for equipment, and uncover any overpayments.  Your tax consultant can prepare your financial statements as well as file payroll, sales, and income tax returns monthly, quarterly, or annually.