Group Benefits for Pennsylvania Employers
Group Benefits & Employee Benefits Programs
Customizable benefits packages for your team—designed for Main Street businesses, nonprofits, and farms across Lancaster, New Holland, York, Harrisburg, and beyond.
Group benefits and employee benefits programs help you take care of the people who keep your organization running—while also supporting recruiting, retention, and morale. From group health insurance and dental plans to vision, life, and disability coverage, the right mix of benefits can make your workplace stand out without breaking your budget. Community Insurance works with employers throughout Lancaster County and across Pennsylvania to design practical, sustainable benefits packages tailored to your size, industry, and goals. We’ll help you compare options, understand your contribution choices, and coordinate benefits with the rest of your business insurance program.
Group Health Insurance
Medical coverage designed for your eligible employees and, in many cases, their dependents. We’ll help you compare plan designs, networks, deductibles, and contribution strategies so you can offer meaningful health benefits while keeping costs manageable.
Dental Insurance
Group dental plans help employees cover routine cleanings, X-rays, and more advanced procedures. We’ll walk through options for preventative-focused plans, waiting periods, and how dental coverage can complement your medical benefits.
Vision Insurance
Vision benefits can help with eye exams, glasses, and contact lenses, often at a modest cost to the employer. These plans are a popular, high-value add-on that can make your benefits package more attractive to current and prospective employees
Group Life Insurance
Life insurance provided through the workplace gives employees a foundation of protection for their families, often at lower group rates. We can help you structure employer-paid basic life and optional voluntary life so employees can buy additional coverage if they choose.
Short-Term & Long-Term Disability Insurance
Disability coverage helps replace a portion of an employee’s income if they can’t work due to a covered illness or injury. Short-term disability focuses on near-term absences, while long-term disability addresses extended disabilities. We’ll help you decide which options fit your workforce and budget.
Voluntary / Employee-Paid Benefits
Many employers enhance their benefits package with voluntary options such as supplemental life, accident, critical illness, or hospital indemnity coverage. These programs are typically employee-paid but offered at group rates, giving your team more choice without significantly increasing employer costs.
Health Accounts & Supplemental Options
Depending on your medical plan, we can help you explore health savings accounts (HSAs), health reimbursement arrangements (HRAs), or flexible spending accounts (FSAs). These tools can give employees more control over their healthcare dollars and help both sides manage out-of-pocket costs.
Who Typically Offers Group Benefits
Group benefits are a key part of the compensation package for many employers, from small businesses and professional offices to nonprofits and farms. If you want to attract and retain quality employees, compete for talent, or support long-term stability in your workforce, a structured benefits program is often essential.
Common Employers That Rely on Group Benefits:
- Professional offices and service firms
- Retailers, restaurants, and hospitality businesses
- Contractors and trade businesses with full-time crews
- Manufacturers, warehouses, and light industrial operations
- Nonprofits, churches, and community organizations with staff
- Farms and agribusinesses with year-round employees
- Growing businesses moving from a tiny team to a more formal staff structure
Your organization doesn’t have to be large to offer meaningful benefits. We’ll help you explore options for different group sizes, contribution levels, and plan designs so you can build a program that fits your team and your budget today—with room to grow over time.
Our Process for Designing Employee Benefits
Instead of pushing a one-size-fits-all plan, we start by understanding your workforce, your goals, and your budget. Then we design a group benefits program that balances coverage and cost, coordinates with your other policies, and is simple enough for employees to actually use and appreciate.
Learn Your Workforce & Goals
We start with a conversation about how many employees you have, where they work, what roles they fill, and what you’re hoping benefits will accomplish.
Review Current Coverage (If Any)
We look at any existing medical or ancillary plans, contribution strategies, and employee feedback to see what’s working and where there are gaps.
Compare Multiple Carriers & Plan Designs
As an independent agency, we review options from multiple benefits carriers, comparing networks, plan structures, and costs in clear, side-by-side terms.
Design Contributions & Enrollment Strategy
We help you decide how much the organization will contribute, which plan options to offer, and how to communicate choices so employees understand their options.
Implement & Support
Once your program is in place, we support enrollment, answer benefits questions, and schedule periodic reviews to adjust plans as your organization and workforce evolve.
How Group Benefits Connect to Workers’ Comp and Business Insurance
Group benefits are one part of a broader strategy to protect your employees and your organization. While workers’ compensation responds to work-related injuries and illnesses, health and disability benefits help employees navigate everyday medical needs and non-work-related issues. Life insurance, accident coverage, and other voluntary benefits can further support your team and their families. At the same time, your business insurance—like general liability, commercial auto, and umbrella coverage—helps protect the organization itself. We’ll help you see how group benefits fit alongside these other policies so you’re supporting your people and managing risk in a coordinated way.
Group Benefits - Commonly Asked Questions
Frequently Asked Questions
How many employees do I need to offer group benefits?
Eligibility requirements vary by carrier and type of coverage, but many group health and ancillary plans are available even for small employers. In some cases, you may be able to start with just a handful of eligible employees. We’ll review your headcount and structure to see what options are available and what participation rules apply.
Do I have to pay 100% of the cost for employee benefits?
Not usually. Many employers share costs with employees, paying a portion of the premium for core benefits like health insurance and allowing employees to pay the remainder through payroll deductions. Voluntary benefits are often entirely employee-paid. We’ll help you explore contribution strategies that balance affordability for your team with what’s realistic for your budget.
Can I offer benefits to some employees and not others?
Benefits plans must follow certain eligibility and nondiscrimination rules, but you may be able to structure different classes—such as full-time vs. part-time, or staff vs. owners—within those guidelines. We’ll talk through how your workforce is organized and how carriers define eligibility so your benefits program is both fair and compliant.
How do group benefits interact with workers’ compensation?
Workers’ compensation is designed to handle medical costs and wage replacement for covered work-related injuries and illnesses. Group health and disability benefits typically handle non-work-related medical needs and income protection. We’ll help you clarify how each coverage responds and make sure employees understand where to turn for different types of situations.
What support do you provide during enrollment and after the plans go live?
We don’t disappear once the paperwork is signed. Our team can help with enrollment meetings, plan explanations, and ongoing questions from your staff. We’re also here to help you handle renewals, carrier changes, and plan adjustments as your organization grows, your workforce changes, or your goals evolve.
Ready to Build a Benefits Package Your Team Will Value?
If you’re ready to attract and retain great people, group benefits can be a powerful part of your strategy. Community Insurance is here to help employers in Lancaster, New Holland, York, Harrisburg, and across Pennsylvania design employee benefits programs that make sense for their teams, their budgets, and their long-term plans.