- J. Ralph Watkins & Associates, Inc. proudly offers a full selection of services as follows:
- Employee Benefit Consulting
- Group Medical
- Dental
- Group Short Term and Long Term Disability Income
- Group Life
- Vision
- Mini-Med Plans
- Voluntary Plans for all of the above
- Section 125 Cafeteria Plans
- HSA, HRA, and FSA programs
- Individual Health and Dental
- Individual Life, Disability Income, and Long Term Care Insurance
- Benefits Management Platform Includes:
- Analyze and provide detailed comparisons of cost and plan designs provided by carriers
- Negotiate with Carriers for the best cost and durations of proposed plans
- Advocate for the Employer/Employee regarding disputes or misunderstandings
- Assist Human Resource personnel with complex employee benefits issues and problem resolution
- Perform off-term reviews as needed
- Provide pre-renewal consultation to assess changes in company's needs
- Provide Employee Education meetings
- Provide assistance with enrollment meetings as needed
Please contact us today for a no-cost consultation. We look forward to developing the right benefit solutions for your firm or your family.

