This document contains two success stories from employers that enhanced their employee benefit programs. The first story is about a mining warehouse that provided disability insurance, life insurance, and accident insurance for employees' families without reducing take-home pay, saving the company over $17,000 in payroll taxes. The second story is about a heavy equipment parts warehouse that provided additional insurance benefits like disability, life, and critical illness without costs to employees or the company, saving over $9,000 in payroll taxes to offset the cost of a new delivery vehicle. Both companies were able to enhance benefits and lower costs of doing business by increasing employees' average monthly benefit by $200-238 through their insurance programs.

1. Success Stories–Warehouse /DistributionJanuary2016 Edition
Employer#1; Warehouse/Distributionforthe MiningIndustry.
29 Employees. Theirmainconcernswere how tofill inthe gaps of havingjusthealth/dental alone.They
wantedtohave Disabilityforthe staff, Life insurance thatwouldbelongtothe employeesthemselves,
and an AccidentPlanthatwouldcoverthe family.
Withincreasedoperatingexpenses,theywere lookingforanyand all optionstolowercostsof doing
business.
End Result: The average benefitbankperstaff memberis$223/month. Thisallowedthe staff to have a
rich DisabilityPlan,Life insurance thatgrowsincash value andhasLongTerm Care benefits, andan
AccidentPlanwhichcoversspouse and kids,all withnoreductionintheirtake home pay.
Theyare saving$17,748 in reducedPayroll taxes. Theywilluse thissavingstoinvestinnew marketingto
grow theirbusinessin2016.
Employer#2; HeavyEquipmentPartsWarehouse.
14 Employees all overthe age of 45. Thebiggestconcernswere:Retainingqualityemployees, lowerthe
cost of doingbusiness,andimprove theirbenefitprogramif possible withnoaddedcoststothemor
theiremployees.
Theirbenefitprogram consistedof justhealthinsurance,andAflac.Theysaw value inenhancingthe
benefitprogrambyadding a richDisabilityPlan,Lifeinsurance withlivingbenefitssuchasLongTerm
Care,Critical illnessPlan,andanAccidentPlan.The employeeshave noreductionintheirtake home
pay.
End Result: The average benefitbank perstaff memberis$238/month. Thisallowedthe staff tofill inthe
missingpiecesfromonlyhavinghealthinsurance.The employeesare extremelyhappyabout nothaving
any lossintake home pay while gettingbenefits theyneed.
The Companyissavingover$9,100 in reducedPayroll taxes. Thissavingswill helpoffsetthe costof a
newdeliveryvehicle.UPDATE:Asof1/8/2016 two employeeshave receivedbenefitsinexcessof
$20,400 total.