GHP - PEO ►Professional Employer Outsource & Insurance Services is an independent agency dedicated to brokers wishing to provide employers with strategic outsource solutions for their business functions.  Many different companies and products are represented by GHP - PEO.  This enables us to find the best products available for you and your particular needs, whether they encompass employee benefits, retirement plans or outsourcing of certain business functions.  The principals of GHP - PEO have over twenty-eight years experience and a dedicated passion for our clients.  Give us a call or email us today!

PRODUCTS

     Outsource Programs (Employer Sponsored Programs)

HR and Payroll strategic outsourcing enables many small and medium size companies to better utilize their employees and direct their attention to more revenue generating activities while letting outsourcing provide you with the routine services of running a Payroll and HR operation through an extensive suite of human resource management solutions.

Products and Services are provided on an "administrative co-employer" basis which provide unique advantages for you from transfer of employment related liability to reduced labor cost.  Experienced service professionals provide your firm with administrative assistance in all matters relating to:

• Human Resources Administration

• Payroll Administration and Services

• Benefit Alternatives and Administration

• Workers Compensation

• Safety & Risk Management

• Web-based Technology

• Tax

• Regulatory Compliance including Employee Handbooks

 (For Individuals and Groups)

Life Insurance is an excellent way to protect your loved ones and your business by developing plans to care for their special needs or your business continuation.

• TERM Life - Very low initial cost.  Great way to cover specific and short term needs.  Can be converted to permanent insurance at a later date. Excellent product for basic group life programs and young families just starting out.

• PERMANENT Life  - Provides life time protection and planning with flexible premiums and coverage amounts.  Builds cash values with policy guarantees.

• 401 (k) - Group Employee Savings Plans in which wages may be placed in a tax-deferred savings vehicle. Employer has choice of vesting and employer contribution options.  Contributions are not mandatory.

• DI - Disability Insurance can be structured to provide valuable resources for business's and individuals specific income needs in times of adversity, especially if one's income flow is disrupted due to medical conditions or injuries and you are unable to work.

 (For Individuals and Groups)     

Health Plans - GHP - PEO  has access to a wide variety of carriers and multiple options for medical/health insurance for both individuals seeking their own insurance as well as employers!  We only deal with carriers who are firmly positioned in the marketplace and can meet most needs.  Products available are:

• PPO's Preferred Provider Organizations

• POS's Point of Service Plans

• HMO's Health Maintenance Organizations

• HSA's Health Savings Account Qualified Plans

• Traditional Insurance/Major Medical Plans

Each product has its advantages and limitations but will stand up to close scrutiny with quality provider networks and delivery systems.  Health Savings Accounts (HSA's) while very new are beginning to grow in popularity.  They provide the policyholder with tax free options for health care!

  (For Individuals and Groups)

• DMO'S Dental Maintenance Plans in which you select a primary dentist as your principal care provider.

• DPO's (Passive) -Dental Preferred Provider plans which provide freedom of choice to utilize any dental provider. Out of Network providers are usually reimbursed at the same level as in-network dentist subject to reasonable and customary limitations.

• Indemnity Dental Plans - Choose any dental provider and benefits are paid on a reasonable and customary schedule

  (For Individuals and Groups)

Supplemental Insurance is an easy and economical way for employers to offer a voluntary customized employee benefit in addition to any employer sponsored plans.  These are traditionally worksite payroll deduction plans and benefits are paid for by the employees, not the employer.  Such plans typically consist of::   Accident Insurance, Cancer Insurance, Critical Illness, Term or Universal Life Insurance, Intensive Care and Short Term Disability.  Each employee can choose benefits and limits which meet both the family and financial needs.

Individual Disability and Long Term Care coverage is also an important resource for individuals wishing to provide continued income during periods of illness or disability.  Long Term Care not only provides a means for assisted care for disabled and elderly persons but is also an effective way to protect your hard earned resources and assets!