Since 1977 we have provided customized employee benefit programs to our customers. We have experience in all facets of employee benefit products: health, dental, disability, vision and many more. Our dedicated staff is trained in all aspects of customer service and attention to detail.

We should be your Employee Benefits Broker because:

• We have been serving clients like you since 1977.
• Our staff is licensed in Kentucky and other states where clients need our services.
• We work directly with your Human Resources staff to simplify their tasks.
• Personalized attention is our specialty. We provide
  • Customized administrative manuals
  • On site visits
  • Enrollment assistance
  • Claims troubleshooting
  • Online Enrollments

A group health insurance plan is a key component of many employee benefits packages that employers provide for employees.

The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium – in many cases, employers pay one-half or more of the monthly premium for an employee.

CVIM will work directly with your Human Resources tasks to find the right coverage for your company.

Group life insurance is offered by an employer or large-scale entity (i.e. association or labor organization) to its workers or members. Group life insurance is typically offered as a piece of a larger employer or membership benefit package.

By purchasing coverage through a provider on a “wholesale” basis for its members, the coverage costs each individual worker/member much less than if they had to purchase an individual policy. Those receiving coverage may not have to pay anything “out of pocket” for policy benefits or they may elect to have their portion of the premium payment deducted from their paycheck.

Call today to talk to us about options for your employees.

Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels, preventive, basic and major.

Dental insurance is of great benefit to your employees as it can save them the expense of costly dental work.

Voluntary life insurance is a financial protection plan that provides a beneficiary with cash in the event that the policyholder dies. Voluntary life insurance is an optional benefit offered by employers, where an employee pays a monthly premium in return for cash paid to beneficiaries upon death. The premiums, which are based on age and the amount of insurance purchased, may be less expensive than individual life insurance premiums because of an employee group discount.

Voluntary Dental is a great way to provide your employees with easy access to dental care coverage. As implied by the name, the plan is entirely voluntary, meaning that your employees decide whether or not they want to participate. And because the program is voluntary, there are no participation or contribution requirements.

Self-funded health care also known as Administrative Services Only (ASO) is a self-insurance arrangement whereby an employer provides health or disability benefits to employees with its own funds. In self-funded health care, the employer assumes the direct risk for payment of the claims for benefits.

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