Products & Services
Employee Benefits Broker serving Rochester & Upstate NY
Providing a comprehensive employee benefits package is an important part of attracting and retaining the best employees. Since 1998, ComTon Inc. has provided cost-effective, efficient employee benefit insurance packages to companies across Upstate New York. We take a customer-focused approach to our services and are a close-knit team of professionals. ComTon works with employers looking to utilize traditional insured policies or self insurance.
Our company has the capabilities of a national insurance agency and is committed to providing clients with coverages that best suit their needs. From working directly with carriers, to claims payment and utilization reports, we work to provide our clients with the solutions they need. Great customer service is at the heart of everything we do, and we focus on building long-term, beneficial relationships with our clients and their employees.
ComTon Inc. Proudly Offers the Following Coverages
Group Life Insurance
Whether you are looking to reassess your group life insurance policies or design a new package, our team will help you find a customized solution to meet your company’s need. Together, we will evaluate what type of plan fits your needs and provides your employees with the best coverage. We work with employers to help them make the most out of their group life insurance policy.
We offer a number of voluntary insurance plans including life insurance, long term disability, short term disability, prepaid legal, identity theft, and long term care insurance. These plans can be customized by employees to best fit their personal situations. Many voluntary plans serve as a complement to existing policies.
Long Term Disability
A long term disability policy provides employees with financial assistance in the event they are unable to work for a long period of time due to injury, illness, or an accident. This type of insurance pays a percentage of an employee’s salary while they are unable to work. ComTon Inc. works with employers to design coverage that keeps employees protected. We will assess your company’s needs, and are proud to work with over 15 insurance companies.
Short Term Disability
If injury or illness leaves an employee unable to work, a short term disability policy pays them a percentage of the salary for a specified period of time. This type of policy helps protect an individual’s standard of living in the event they are unable to perform their job duties. Typically this type of policy pays around 40 to 60 percent of an employee’s weekly income. The team at ComTon will work with you to determine which short term disability plan fits your company’s needs.
NY DBL / PFL
New York State requires employers to provide disability coverage to employees for off-the-job injuries or illness. We have extensive experience with helping employers create disability benefits policies that fit their needs and comply with the state’s requirements. Together, we will determine what type of plan matches your business’ needs so your employees are protected.
New York’s Paid Family Leave program provides wage replacement to employees to help them bond with a child, care for a close relative with a serious health condition, or help relieve family pressures when someone is called to active military service. Employees are also guaranteed to be able to return to their job and continue their health insurance.
Healthy employees often means a healthier work ethic and environment. Providing health insurance coverage to your employees gives them the incentive to take charge of their well being, which strengthens your workforce and bottom line. Today’s healthcare marketplace can be a challenge to navigate, so our team will work with you to determine which plans are appropriate for your business and will keep your employees appropriately covered. We work directly with insurance carriers to ensure you receive the best plans and services.
Dental insurance policies are supplemental health insurance plans. We work with over 15 insurance companies and can help you explore the different provider networks and plans available. ComTon is a Third Party Administrator for self-insured dental plans. Self-Insurance is the most cost effective strategy for dental coverage. Dental insurance not only enhances your compensation package, it encourages your employees to be proactive about their health and wellness.
To better serve our clients, we have developed joint ventures with large and independent advisors and administrators. If you are interested in establishing a pension plan for your employees, we can refer you to a member of our network. Together with you, they can help you develop a pension plan that fits your current needs, and can provide for your employees upon retirement.
We administer and maintain compliance with complex and ever changing regulations related to Federal and State FMLA. While administering your employees leaves you are kept up to date through our comprehensive online reporting system and employer portal.
A workers’ compensation policy provides employees with compensation for an injury or disability sustained on the job. In agreeing to receive workers’ compensation, an employee waives their right to sue their employer for negligence. This protects the employer from a potential lawsuit, while ensuring the employee receives compensation in the event of an accident on the job.
ComTon Inc. works closely with professionals specializing in workers’ compensation plans. To receive a referral for one of our partners, please contact our office today. We are dedicated to providing you and your company with the best plans and services.