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How do I the business owner benefit?
How do my employees benefit?
How does my company benefit?
How can I afford it?
How will my staff be paid?
Why should I choose HR Concepts?

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From a recent NAPEO survey:
NAPEO found that only four percent of clients had access to a 401(k) plan before entering into a PEO relationship, but 86% had 401(k) access after entering the PEO relationship.

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Health Insurance Plans

HRC offers comprehensive health insurance plans including Health Maintenance Organizations(HMOs), Preferred Provider Organizations(PPOs) and Point of Service (POS) plans. HR's rates are very competitive. Several plans offer employees the freedom to remain in network and, for a small deductible, utilize physicians out of network.
    HR Features Include:
  • Several of the largest and best networks in the country
  • In network preventive care at no charge
  • Included prescription card
  • Choice of several HMOs

Prescription Card

A prescription card is included with the health coverage. This provides the convenience of paperless claims, as well as mail order service, if desired.

Group Life and AD&D Insurance

Clients can choose from a wide range of life schedules if they wish to provide their employees with group life and accidental death and dismemberment coverage.

Dental Insurance

HRC dental plans are provided through several insurance carriers. Employees have the option to go in or out of network.

Eye Care and Vision Plans

HRC employees' plans offer savings on the cost of eye care through an arrangement that offers an examination every 12 months, lenses every 12 months and frames every 24 months.

Voluntary Term Life Insurance

HRC employees can purchase low cost term life insurance through our voluntary plans.
  • Low group rates
  • $10,000 to $300,000 simplified issue
  • Separate coverage for spouses
  • Dependent children on rider
  • AD&D Insurance option

Voluntary Short and Long-term Disability Insurance

HRC employees' group discount rates allow employees to purchase disability coverage at rates lower than individual plans.
  • Covers total and partial disability
  • Covers up to 60% of gross income
  • Benefits paid to age 65

Section 125 “Pretax” Plan

HRC employees can save from 22% to 40% by having the following items deducted on a "pretax" basis. Their Federal taxes are reduced. FICA taxes are reduced for both employees and clients:
  • Contributions to health and dental insurance
  • Voluntary insurance premiums for Life, AD&D, LTD and Vision
  • Flexible spending accounts with medical reimbursement and dependent care options

The HRC Benefit To You Is:

  • Group Major Medical Insurance
  • Dental Insurance Plans
  • Vision Care Plans
  • COBRA Administration
  • Accidental Death &Dismemberment Insurance
  • Long and Short-term Disability Plans
  • Group and Voluntary Life Insurance

HRC provides a "Fortune 500" style benefits package at substantially reduced costs, allowing you to attract and retain employees.