Employer Health & Welfare Benefits

Allow Kazdon’s innovative team of Benefit Specialists to work closely with you to tailor the exact needs for your group. We will help communicate, design, plan, and respond to your needs and questions.

Kazdon will work with your company to meet your needs and advocate for your company with the appropriate carriers. Whether you are looking for Group Health, Supplemental Products, Dental, Vision, Life, or Flexible Spending Accounts we can assist you with the best plan for your needs.

The best part about it is that our team will communicate directly with your employees to educate them on their benefits. When a company offers benefits they are left with the daunting details of knowing their products and trying to answer questions for their employees, Kazdon’s team will provide benefit education to your employees as a group or individually to make sure there is a clear understanding of their benefits giving you more time to focus on your business.

Section 125 Premium Only Plans

In order to offer pretax benefits to your employees, you need a Premium-Only Plan. IRS Section 125 allows your employees to pay for their insurance premiums and HSA contributions with tax- free dollars. To offer this plan you need a compliant plan document.

Kazdon can help you stay on top of updates and regulatory changes that may affect your plan. We can perform the required non-discrimination testing annually. Kazdon’s staff of compliance professionals have years of experience with Cafeteria and Premium-Only Plans.

Our Document Specialists will work with you to get a document customized to your benefit plan or to amend and restate your old plan to bring it up to date with the most recent regulations.

You and your employees will save on state and federal taxes, including Social Security and Medicare.

Kazdon’s POP documents are drafted by ERISA attorneys and are up to date.

Flexible Spending Account (FSA)

Saving payroll taxes for employers and employees for eligible medical, dental, vision, and day care expenses.

Health Savings Account (HSA)

An HSA is a tax-exempt account established primarily for the purpose of paying qualified medical expenses. Most people covered under an IRS-qualified High-Deductible Health Plan (HDHP) can open and contribute to an HSA.

Health Reimbursement Arrangement (HRA)

Employer-paid reimbursement programs for health care benefits. These plans allow employers to set aside a specific amount of money to pay for employee health care expenses as defined by the plan. All contributions to an HRA are tax deductible to the employer and tax free to the employee.

COBRA Administration

The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires employers to extend group health benefits to employees (and their families) who lose health benefits due to specific qualifying events.

Consolidated Billing

Common remittance is an additional service which allows you to remit all 403(b) Plan contributions in a single payment to Kazdon. Service also includes insurance premiums.