Our Specialists utilize over thirty years of experience to provide our clients the most cost effective plan design possible. We implement each program with skill and we provide the highest standard of ongoing customer service.

We specialize in client satisfaction!

	Commercial Insurance, Workers Comp. Auto and Homeowners
	Section 125 Cafeteria Plans Product Menu and Flexible Spending w/Debit Cards
	Medical Coverage
	Dental and Vision Plans
	Life and Disability Plans
	Executive Benefit Plans
	Retirement Plans

Group and Individual Insurance Plans

Medical, Dental, Vision, Life and Disability plans are available through strategic alliances with major insurance carriers. Plans are available on a group and individual basis. Our Professional Benefit Specialists will work directly with you to help you identify your unique needs and then provide you a competitive proposal from leading carriers.

Section 125 Plans

The IRS provided a tax savings opportunity through section 125 of the IRS Code. We provide two popular components of Section 125 for employers of small to large companies across the country.

Premium Only Plans ("POP")

A POP plan allows the employee contribution of qualified insurance premiums to be deducted from the employee's gross wages before taxes are calculated. The most common types of premiums are Medical, Dental and Vision. By paying the employee contribution with pre-tax dollars, the employee's tax base is lowered reducing federal, social security, and state income taxes in most jurisdictions. This puts more money in your employees pockets and reduces your employer liability.

Flexible Spending Accounts (FSA)

Employees can elect to have deductions from their paycheck on a pre-tax basis deposited into a Health Care FSA and/or a Dependent Care FSA. Similar to the POP plan, these deductions reduce the employee's taxable income base resulting in lower taxes for you and your employees, and in most cases more spendable income for your employees. Participation in FSA allows the employee to be reimbursed for out-of-pocket health expenses with pre-tax dollars and/or pay for qualified dependant care expenses with pre-tax dollars.

Our Services Include

	Onsite Enrollment Meetings
	Benefit Communication Statements
	Voluntary Benefits Menu

Retirement Plans

Our Benefit Specialists can help you identify the right type of retirement plan for your business and your employees.

If you are considering a Retirement Plan, our Payroll Integrated Plan revolutionizes the way retirement plans operate today. CBIS can save you time and money. Offering a retirement plan was never easier!

Why choose a CBIS 401(k)?

	Seamless data integration means we can offer you an affordable 401(k) plan.
	You have the ability to determine key plan design criteria meeting the needs of you and your employees.
	A strong retirement plan is a great retention and recruitment tool for your business.