Employee Group Benefits Online Management Platform (FREE With Our Group Health Plans)
Employee Benefits That Work for Your Business—and Your People
Attracting and retaining great employees takes more than a paycheck. A strong benefits package shows your team you’re invested in their well-being—both on and off the job.
We help employers design and manage employee benefit programs that are competitive, cost-effective, and built to grow with your business.
Group Health Insurance
Health coverage is often the foundation of any benefits package—and one of the most important factors employees consider when choosing where to work.
We help you:
- Compare top carriers and plan options
- Balance cost with meaningful coverage
- Navigate renewals and rate changes
- Stay compliant with evolving regulations
Whether you’re offering benefits for the first time or reevaluating your current plan, we’ll guide you toward a smarter, more sustainable solution.
Life & Disability Insurance
Protecting your employees—and their families—goes beyond healthcare.
Life Insurance provides financial security and peace of mind, ensuring loved ones are protected if the unexpected happens.
Disability Insurance helps replace income if an employee is unable to work due to illness or injury—something more common than most people realize.
We’ll help you build coverage that:
- Enhances your overall benefits package
- Supports employee financial stability
- Adds meaningful value without unnecessary cost
Benefits Built Around Your Business
No two companies are the same—and your benefits strategy shouldn’t be either.
We take the time to understand:
- Your workforce
- Your growth goals
- Your budget and constraints
From there, we build a benefits program that aligns with your business today—and scales with you tomorrow.
Group Benefit Specialist
Josepth Monteleone
President |Group Benefits Agent
Over 30 years of experience helping businesses with Group Benefits.
In 1986, Joseph started his career as a Financial Planner with First Financial Services helping clients create budgets, control expenditures, set goals for saving, and implement strategies for accumulating wealth.
Several years later, Joseph was hired as an agent with New York Life. His success led him to become the sales manager overseeing a team of 22 agents and becoming a Top 5 producing team in the nation.
Today Monteleone Associates D.B.A. Monteleone Insurance, blossomed into a full-service Business Insurance, Personal Insurance, Employee Benefits and Financial Planning group.
Ongoing Support, Not Just Setup
Employee benefits aren’t a “set it and forget it” decision.
We stay involved to:
- Assist with employee questions and onboarding
- Review plans at renewal to keep costs in check
- Adjust coverage as your team grows or changes
You get a partner who helps you make confident decisions year after year—not just at enrollment time.
Employee Benefit FAQs
What is included in an employee benefits package?
An employee benefits package typically includes group health insurance as the foundation, along with options like dental, vision, life insurance, and disability coverage. Some employers also offer supplemental benefits such as accident, critical illness, or retirement plans. The right mix depends on your team, budget, and hiring goals.
How much do employee benefits cost for a business?
Costs vary based on factors like group size, employee demographics, plan design, and employer contribution levels. Many businesses choose to share costs with employees to keep plans affordable while still offering competitive coverage. We help structure plans that balance cost control with strong employee value.
What is ICHRA and how does it work?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees for their own individual health insurance plans instead of offering a traditional group health policy. Employers set a monthly allowance, and employees choose the coverage that fits their needs. ICHRA can offer greater flexibility and cost control, especially for businesses with diverse or distributed teams.
Do I have to offer life and disability insurance to employees?
Life and disability insurance are not always required, but they are highly valued by employees and can significantly strengthen your benefits package. These coverages provide financial protection in the event of death, illness, or injury, helping employees and their families stay financially stable during difficult times.
Let’s Build a Better Benefits Program
If you’re looking to improve your current offering—or start one the right way—we’re here to help.
Get a custom benefits review today and see what’s possible.
Group Dental Plans
Group Vision Plans
Group Life Plans
Group Disability Plans
Group Accident Plans
