The cost of health care is critical component of your business planning.  A good plan helps you attract, protect and keep valuable workers, and health plan options let you choose what�s best for you and your business.

Pennsylvania Builders Association Benefits Trust (PBABT), in conjunction with USI Affinity, offers you the best in health care plan design and service.  Every product and service is thoroughly evaluated before it is endorsed by PBABT. 

With confidence, we endorse USI Affinity as your trusted SOURCE for health care protection, term life and disability plans, and for voluntary plans such as dental, vision and Health Savings Account options.  USI Affinity can also guide you to quality Property & Casualty coverages, as well as Workers Compensation.  USI Affinity will consult with you to find your best choices, then administer your plans with minimal demands on your time. 

Cost-Effective Health Insurance Participation in the PBABT empowers you and provides choices you can trust, PBA members are one of the largest health insurance purchasing groups in the country.  Options include traditional, PPO and managed care plans from leading insurers such as Blue Cross and Blue Shield.  Benefits can include:

•  Freedom to choose your doctor

•  Hospitalization, surgical and prescription coverage

•  Unlimited lifetime maximums

•  Choice of deductibles and co-pays

•  Guaranteed $10,000 term life/AD&D insurance

•   Web based enrollment and administration tools

Comprehensive Employee Benefit Coverage  Comprehensive and competitive health care is only one critical component of a well-designed employee benefit�s program.  USI Affinity can also

•  Dental coverage
•  Life insurance
•  Short and long term disability

As the employer, you may provide these coverages in full or in part, or you may permit your employees to elect personal coverage within the framework of your plan. There will be minimal involvement on your part, but employees will have the advantage of group rates for valuable protection. 

Supplementary Employee Benefits Your goals are to offer benefits that recruit and retain employees, manage your benefit costs, and offer plans from providers you trust. Through PBABT and USI Affinity you have the opportunity to extend your benefit offerings at no additional cost to your company. Supplementary employee benefits are employee-paid, but are viewed by workers as a valuable benefit made possible by the company. Supplementary plans available to you include:

•  Disability income insurance
•  Supplemental medical expense
•  Life insurance
•  Accident only insurance
•  Dental insurance
•  Section 125 and HSA administration services
•  Flexible spending accounts

Property and Casualty Insurance Services As a member of the PBA, you can take advantage of property and casualty services at reasonable rates. You will find an exceptional level of service and personal attention. Your program can be tailored to your company�s specific needs, to help increase employee productivity and protect your bottom line. Ask your USI Affinity representative for information on workers� compensation and property and casualty insurance.
CALL USI AT 800-222-3160