Patton Insurance AgencyDental, Vision, Life and Disability Insurance
Round out your medical plan with benefits employees use and value.
Request a Benefits ReviewAncillary coverage options
Dental
PPO and HMO-style plans, employer or voluntary.
Vision
Exams, lenses and frames with broad networks.
Life & AD&D
Basic and supplemental group life.
Disability
Short- and long-term income protection.
Built around your budget
We can structure benefits as employer-paid, shared or fully voluntary. Plan availability and pricing vary by carrier and are subject to underwriting.
Frequently asked questions
Do we have to offer dental and vision?
No. They are optional under federal law, but many employers offer them to stay competitive in hiring and retention.
Can employees pay for ancillary benefits themselves?
Yes. Voluntary plans can be 100% employee-paid, with no cost to the employer beyond administration.
What is the difference between short-term and long-term disability?
Short-term disability replaces part of income for weeks or months after an illness or injury. Long-term disability begins after a waiting period and may continue for years. Benefit terms vary by carrier.
How is group life insurance priced?
Premiums are usually based on age bands and benefit amount. Basic life is often a flat multiple of salary, with optional voluntary coverage. Underwriting applies.
Is there a participation requirement?
Some carriers require minimum enrollment, especially for voluntary plans. We will confirm this up front.
What does a broker cost the employer?
Commissions are paid by carriers as part of the premium, so there is typically no separate fee to the employer.
Ready to look at your options?
Tell us about your group and we will review your current plan, renewal and alternatives. There is no cost or obligation for a benefits review.