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EMPLOYEE BENEFITS

For Small Businesses

Affordable Customized Solutions

Partnering with the strongest carriers in the nation, we specialize in designing benefits for groups of 2 to 100 employees, based on you and your employee’s needs, financial goals, benefit utilization analysis and more.

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TRADE ASSOCIATIONS

Construction & Retail

Unique Opportunity for Group Benefits

Specializing in Kentucky based trade association programs in the commercial construction and retail industries, offering small employers benefit packages at low rates typically only available to larger employers.

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BENEFIT TRENDS

Cost Saving Strategies for Employers

BOOST YOUR BENEFITS AND YOUR PRODUCTIVITY

We’ll help you take advantage of trends such as wellness plans, voluntary benefit programs, and defined contribution plans, all which have been proven to save employers and employees money on premiums and healthcare costs.

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HR & ADMINISTRATION

( & Healthcare Reform Consulting)

Value-Add Compliance Services & HR Tools

Complimentary or low cost services designed to help employers keep up with the timely administrative and compliance requirements of running an employee benefit plan.  Get help with COBRA, HIPAA and other compliance.

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COMPANY OVERVIEW

Snowden & Associates, Inc. is a locally owned agency which has been serving the Kentucky area for over 35 years. We understand that when selling an intangible product, we must differentiate with exceptional service, professionalism and attention to detail. We have built a strong book of business using the “old school” principles of being accessible, knowledgeable, responsive and ethical.

Your Dedicated Benefit Specialist and HR Consultant

Continually evaluating the changing healthcare landscape.  As professionals, we must be able to properly evaluate your insurance needs and assist you in keeping current with changes in the insurance industry. We constantly monitor changes in employee benefit laws, products and trends so that we can provide the absolute best and proper guidance.

Catering to the Small Group Market.  Our primary focus is the small group market. We understand that small businesses do not typically have a dedicated HR department, and they need someone to rely on for compliance, consulting and day to day administrative issues. We provide the small employer with the same level of attention as we would any large employer.

Trade Association Specialists

Build your membership with value added benefits.   Snowden and Associates are the sales and service agency for unique trade association programs in the construction and retail industries. These programs offer small employers with access to benefits and rates that are typically only available to large employers. When properly designed, bona fide trade association programs retain the ability to base rates on medical risk (not community rating), thus offering the ability to obtain discounts for groups with average to better than average claims experience.

Healthcare Reform Consultants

Staying compliant with the Affordable Care Act (the ACA).  The Affordable Care Act (ACA) is a major change in the laws that govern healthcare.  According to the US Census Bureau, the ACA affects mostly businesses as nearly 80% of insured people receive their benefits through their employer.   The original healthcare bill was nearly 2,700 pages long when it was first implemented in 2010, and since then there have been dozens, if not hundreds, of significant changes made to it.  Snowden and Associates can help you avoid costly penalties and stay compliant with the constantly changing laws of healthcare.