Our Products

Are you looking for a way to make your company’s employee benefits package more attractive, to give you the competitive advantage to hire and keep the most talented employees?  Or are you trying to fill your own individual gaps with your benefit package?  At Tick Tock Benefits we have a wide variety of programs to choose from to help with those challenges.

Not only will we take care of the management of your voluntary benefit enrollments, we have done the research to provide you the best carriers and the best selection. We currently have available:

*Click on the links below to get a full description of each product.

• Supplements to your health insurance
  No health insurance was designed to cover all of the medical expenses, let alone the out-of-pocket expenses. Deductibles and co-pays, time off from work, travel, etc, these programs are designed to build a bridge between you and those expenses. Any size business can reap the advantages of offering voluntary benefits at no direct cost to your company.
• Dental & Vision
  Dental is the fastest growing medical expense. As my dentist would say: "Ignore your teeth and they will go away. 
  
  Vision is a problem for all ages. Not only will you have coverage for the exam, you will have coverage for the glasses, contacts and corrective surgery.
• Life Insurance & Group AD&D
  Life Assurance is for the people we love. Protect the people you love with Life Assurance to pay off your house, other debt, medical expenses, college tuition and final expenses. AD&D (Accidental Death & Dismemberment) helps add monetary value to the unfortunate event that death or dismemberment is due to an accident.
• Long & Short Term Disability
  What is your most important asset? Is it the car that you have car insurance on? Is it the house that you have homeowners insurance on? Or is it the paycheck that pays that house payment and car payment? Protect your #1 asset, your paycheck, that makes that car payment and house payment possible.
• Individual & Group Health Insurance
  Health Insurance is the back bone of coverage for our health care costs. On the average, Health Insurance covers approximately 80% of actual health care costs. With rising deductibles and co-pays, for many people this is less. Group or Individual- Health Insurance is a must!
• Medicare Supplements & Long Term Care
  Long Term Care is for anyone who has assets to protect. We associate long term care with nursing home coverage or old age. Long Term Care could come into play for things like a car accident, cancer or early onset of Alzheimer or some other debilitating disease. Many of the people who receive some form of long term care return to their home but in debt, needlessly. Protect your assets! Medicare was not designed to cover all of your medical expenses after you reach retirement age. Medicare Supplements protect your current assets from medical expense and keep the money you have reserved for your retirement dreams in your pocket.
• RX Coverage
  Prescription drug cost is one of the fastest growing out-of-pocket expense when it comes to medical expense. Between an aging population and the innovations made in medicine, more and more of us have regular prescriptions that need to be filled. The cost of some cancer drugs can be in the thousands every month. Help protect yourself from this additional cost with RX Coverage.
• Pre-Paid Legal & Identity Theft Protection
  Unexpected legal fees and theft of your personal information can be unbelievably expensive in both time and money. Your child accidently throws a baseball through your neighbors car window. You lose your wallet in a cab. Family members challenge your parents' Will. You don't have a Will. Creditors threaten to take action against you for your ex-spouses debts. A friend or neighbor is injured on your property. The list goes on and on. Have a lawyer on call for all of the unexpected situations that life brings us and protect your identity and your credit from those who would exploit it.
• Payroll Deduct Plans
  When a 401K is not an option for your company you can still offer your employees a retirement plan with a Payroll Deduct Plan. Simple IRAs, Roths and even Christmas savings accounts are an option.
• Business Insurance

Most products available in group form and individually.

We also have several section 125 plans available for you, many at no charge. Several update your plan documents yearly to keep up with the IRS regulations at no charge.