Carter's Benefits

over 20 years experience
Benefits is our business


Employee Benefits are our specialty.

Group Products for Employers
Employers today are faced with increasing challenges to compete in the market place. There is increasing pressure for employers to hold down costs while maintaining a happy and productive work environment. Healthcare cost have been rapidly increasing over the years eating away at employer profits and slowly chipping away at employee moral. Employers often times are left making painful decisions on what to cut and what to change. Employees are caught in the middle struggling to make decisions for their families. To make matters worse, both employer and employees struggle with claims issues and a host of other problems including administration and billing nightmares. At the end of the day, everyone is left feeling helpless, exhausted and angry. Carters Benefits understand these needs. We strive to work with the employer to tailor plans to meet the needs of their employees and maintain the employer budget constraints. We seek to maximize the value the employee perceives for the benefits offered by the employer. We recognize the fact that we work for the employer and the employees to enable these programs to continue and be a viable part of the employer's benefit offerings.

We are active in the whole process of benefit administration
Carters Benefits does not just sell group benefits we help in all areas of administration. We provide employee enrollment support which includes a comprehensive employee benefit handbook. We provide enrollment and new hire orientations as requested by the employer. If desired we can host a portal for employee benefit information where employees can obtain current benefit information and valuable forms for claims, mail order pharmacy, and employee changes.

Coverage's for employer groups

  • Health Insurance both tradition and the newer consumer driven HSA plan
    Dental Insurance
    Vision Insurance
    Group Life Insurance
    Short Term and Long Term Group Disability
    Voluntary Supplemental Insurance (Accident, Cancer, Critical Illness)
    Cafeteria Section 125 plans
    Flexible Spending Accounts
    Group Long Term Care
    Group Pet Insurance
    Group Auto and Home Insurance Discounts