Health Insurance
As health care costs continue to rise, millions of Americans are searching for an affordable source of Healthcare Insurance. To make healthcare insurance products accessible for small business owners, self-employed individuals and family businesses, both Illinois and Wisconsin have legislated protections for employers choosing to buy health care insurance for themselves and their employees. Murray Insurance & Financial Services provides a variety of insurance products for individual and group health coverage. We also offer several options for insuring specific medical situations, various levels of disability and long-term medical care.
Today, Healthcare Insurance is often a coveted employment benefit. Since a portion of healthcare premiums are tax deductible, you can use your contributions to your employees' healthcare plan to manage certain tax burdens for your balance sheet. In addition, most group plans extend tax deductions for your employee's contributions as well. Murray Insurance & Financial Services offers a variety of health care insurance products that are perfect for self-employed individuals and small business groups. The easiest way to determine the right health plan for your needs is to speak with an insurance professional. Our agents can help you find the best solutions for any individual or group health insurance coverage.
Individual & Group Health Insurance
If you have experienced an unexpected injury or sudden illness recently, then you are well aware as to why you need Health Insurance. Finding affordable healthcare insurance coverage for residents in the Chicago, Rockford or Milwaukee areas is our specialty. Murray Insurance & Financial Services offers a variety of plans that won't bust your budget. Whether you are self-employed, operate a small business or run a family farm, our agents have the experience and expertise to understand your needs for Individual or Group Health Insurance. We stay on top of the latest changes to Federal and State laws that regulate insurance programs and extend benefits to many individual and group plans. Our Individual & Group Health Insurance plans can include provisions for dependent coverage, high-risk industries and self-employed individuals with no other employees.
Individual & Group Disability Insurance
Should you or your employee become unable to work due to an unexpected injury or illness, Disability Insurance provides income protection during your recovery and return to fulltime employment. Whether you run a family farm, operate as a sole proprietorship, own a business or work from home as a self-employed, Murray Insurance & Financial Services has an Individual or Group Disability Insurance plan that will provide your family with a stable source of income when you need it most. We also offer many options for residual payments to cover the difference in an individual's earned income following a disability. In Chicago, Rockford or Milwaukee, let us recommend the best disability insurance plan for you and your employees.
Cancer & Critical Illness Insurance
Cancer Insurance & Critical Illness Insurance protects your family's financial future when faced with treatments for cancer or other critical illnesses including stroke or heart attack. We can review the provisions of your existing health insurance policies to determine the limits of your current coverage. If your family medical history puts you, or a family member, in a high-risk group for a specific critical illness like heart disease or cancer, you should consult an insurance professional for advice. The best time to purchase any type of healthcare insurance is when you're healthy. Protect your family's financial future by managing your individual risk for large deductibles or medical coverage outside your current health care plan's provider network
Hospital Indemnity Insurance
We understand how quickly hospital expenses can add up when you or a family member are hospitalized. Murray Insurance & Financial Services offers Hospital Indemnity Insurance coverage to supplement the payment of expenses excluded by your primary group or individual healthcare insurance. Our qualified agents can review your existing medical coverage and help you determine the best hospital indemnity insurance for your family. We can determine the right indemnity benefits to protect you financially from associated personal expenses, hospital stays for your spouse or dependents, and benefits coverage for confinement to other medical care facilities like nursing homes or rehabilitation centers.
Section 125 Healthcare Plans
This alternative plan to traditional health care gets its name from the United States Codes, Title 26, Section 125, which provides tax incentives for employers and employees who participate in the program. Often called a "Cafeteria Plan," this popular type of health insurance allows your employees to contribute to the plan with pre-tax dollars. Since a Section 125 Healthcare Planis not subject to federal tax, social security deductions or state income tax, your company saves money while providing your employees with a cost-effective approach to health insurance. Your employees contribute their portion of the Benefits Premiums, which reduces your overall payroll and saves you money on Worker's Compensation Insurance.
Long Term Care Insurance
If you or other family members require extended medical care or personal care services, Long Term Care Insurancecan protect your Life's Savings. As the cost of healthcare continues to rise, protecting your family's financial future from the expenses incurred by long term care has become an important part of planning for your senior years. We recommend that you discuss your particular situation with a professional agent or qualified financial specialist to determine the best Long Term Care Insurance to supplement Medicare, Medicaid, retirement insurance or your individual/group healthcare plan. Murray Insurance & Financial Services can help you protect your financial future against the unexpected need for extended care.
Any information contained in the Murray Insurance & Financial Services website is provided for informational purposes only, and should not be construed as professional advice. Before you purchase healthcare insurance in Illinois or Wisconsin, always speak with a qualified agent to determine the best policy to protect you and your family.