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Frequently Asked Questions

Q: Why use Optima Benefits & Payroll?
A: Optima Benefits & Payroll is a great resource for businesses to help save time and money without any added expense. Our main focus is to shop the market FOR YOU and bring you all available options to help your company’s bottom line.

Q: What Group Benefits does the Optima Benefits & Payroll Provide?
A: Optima Benefits & Payroll provides Payroll, Health, Dental, Vision, Short Term Disability, Long Term Disability, Life/AD&D, 401(k), New York State Disability (DBL), Voluntary products, Worker's Compensation & HR services for small and large sized companies.

Q: How do I save money on Health insurance?
A: There are serval ways that a company can cut costs when it comes to health insurance. Contact Optima to set up a meeting and we will be glad to anaylze your current benefits package and offer solutions that can save you money.

Q: Why should I use a broker?
A: We are FREE experts here to help. We are paid by the insurance companies. We work for you and help you and your employee better understadn the products and services that are available to you. We will look at many carriers during renewal time to find you the best options available. Without a broker you are missing out on knowing ALL your options.

Q: How do I know what plan is best for me?
A: An Employer, depending upon their size, will generally have from 1 to 5 health plans available to their employees. The Employer picks the insurance provider(s) and what plan(s) to offer. Optima Benefits & Payroll, at any time, will be available to consult your employees, make group presentations, offer summary plan descriptions and be helpful to you as the employer.

Q: What do I need to do to get a medical quote?
A: Provide us with a copy of your latest company sensus, benefits summary, and your health insurance bill. If we need anything more we will let you know.

Q: What do I need to do to get a dental quote?
A: Provide us with a census that includes your employees' data inclduing age, gender, family status and zip code.

Q: What do I need to do to get a Life, STD, LTD Quote?
A: Provide us with a census that includes your employees' data including age, gender, family status, income and zip code.

Q: What can I expect?
A: Choices and Value! Optima Benefits & Payroll will provide you with a quote from all the major medical insurance companies, and other Life & Health Insurance Companies competing for your business. Once the options are presented it is usually very easy for you to make a decision on what works best for you.

Q: Can HSA's, HRA's FSA's save us money?
A: Yes, generally these accounts will save employees and employers money, but may not be the right fit for your company. For further details please contact us.

Q: Do you offer HSA's, HRA's and FSA's?
A: These accounts are set up with banks or third party administrators. We will help you with that. We offer the health insurance plans associated with HRA'S, HSA's and FSA's.

Q: Why do I need additional Group disability insurance when I am required to have NYS DBL?
A: NYS DBL will cover out-of-work disabled employees with up to 50% of there salary - at a max of $176 per week. For pennies on the dollar you can provide protection to your employees' most valuable asset - their income!

Q: How much does an employer need to contribute to a Group Health Plan?
A: Under most health insurance providers underwritting guidlines an employer is required to contribute at least 50% of the cost of a single rated plan for each enrolled employee.

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