LBI's approach to the services we provide has been developed over many years of working with a variety of clients and vendors. We are flexible enough to meet the changing needs and dynamics of our clients while putting a clear emphasis on complete, accurate and timely service. Our main areas of expertise include:

HEALTH INSURANCE:
-Fully insured
-Partially self-funded
-Self-funded -PPO,
HMO, POS or the latest combination of all three plans in one

DENTAL INSURANCE:
-Fully insured
-Self-funded
-Traditional, PPO, DMO
-With or without orthodontia coverage for children and adults
-Annual maximums up to $2,500 per year

DISABILITY INSURANCE:
-Long Term
-Short Term
-Contributory
-Noncontributory

GROUP LIFE / AD&D:
-Flat amount
-Based on salary
-Based on class
-Supplementary voluntary employee paid coverage

SPECIALTY PLANS:
-Employee Assistance Programs (EAP)
-Pretax premium only or Flexible Spending plans
-Pretax child care
-Pretax transportation (Section 132)