Small Business Solutions
Benefit Solutions For Your Small Business
Finding affordable benefits for small organizations is no easy task. That is why Parrott has put together a benefits package customized just for small groups. Our Small Business Solutions include all of the benefits employees enjoy in large organizations including vision, dental, disability, life insurance, and more!
Parrott Benefit Group offers fully-insured options for medical, or you can opt to rollout an Individual Contribution HRA (ICHRA).
Delta Dental has the largest dental network nationwide and is NC’s leading dental insurer headquartered in Raleigh. Delta has the largest network of dentists across the state and the nation. In NC, their network is 31% larger than the next-closest competitor and Delta covers more than 80 million Americans Nationwide. Employees will have superior access to care and savings and can visit providers worry free. Under Delta’s network, dentists cannot balance bill employees.
Delta Vision has partnered with VSP Vision Care offering your employees the largest network of quality benefit providers. Employees have the freedom to choose the provider that’s right for them. VSP has 109,000 access points, including the largest national network of independent doctors and over 5,000 retail chain locations options for your employee populations.
Learn More About Our Small Group Vision Solution >
Group Worksite Short-Term Disability insurance helps to replace an employee’s income due to non-occupational illness or injury (pregnancy included). After the elimination period, the benefit will be 60% of covered weekly earnings up to the Maximum Weekly benefit selected. As long as the employee meets the definition of disability and continues to be disabled, this benefit will be paid based on the duration elected (or the start of Long-term Disability coverage). A 3/12 pre-existing condition exclusion clause applies.
Group Worksite Long-Term Disability helps to replace an employee’s income due to illness or injury. After the elimination period, the benefit will be 60% of covered monthly earnings up to $5,000 per month. As long as the employee meets the definition of disability and continues to be disabled, this benefit will be paid to the contract duration. A 3/12 pre-existing condition exclusion clause applies.
Learn More About Short-Term & Long-Term Disability Plans >
Group Term Life with AD&D is available (100% employer-paid) in amounts of either $10,000 OR $25,000 for your employees.
Voluntary Term Life with AD&D is also available (100% employee-paid) for your employees and their families.
- EMPLOYEE Amount: $10,000-$300,000 in $1,000 increments (not to exceed 5 times the employee’s annual base salary rounded up to the next $1,000), with a guaranteed issue of $50,000.
- SPOUSE Amount: $5,000-$150,000 in $500 increments (up to 50% of the employee’s voluntary life amount), with a guaranteed issue of $25,000.
- CHILD(REN) Amount: $1,000 for children life birth to 6 months. Amount options of $2,500, $5,000, $7,500, OR $10,000 for children 6 months to 19 years old (26 years, if a full-time student).
Be a solution to your employees’ need for Legal and Identity Theft Protection.
LegalShield’s Legal Plan provides benefits for Family, Auto, Financial, Estate Planning, Home, and other General Services. Financial stress not only decreases productivity, it puts your employees at a greater risk for an injury or illness. By protecting your employees from the financial stress of an unexpected legal event your employees will be more engaged, focused, and productive—benefiting them and your bottom line!
IDShield is the most comprehensive identity protection and restoration product available. Identity theft has been one of the top consumer complaints filed with the Federal Trade Commission (FTC) for over 15 years. The IDShield Plan monitors a participant’s TransUnion credit report and triggers an alert when their personally identifiable information (PII) appears on a credit check – giving them the chance to review potentially fraudulent activity.
As part of your benefits package, you may be eligible to enroll in a free Employee Assistance Plan (EAP) where employees covered under this plan will have access to at least three face-to-face visits per year. You may also be offered the opportunity to enroll for Travel Assistance Services for employees and their families in accordance with the EAP. Click the link below for qualifying information.
Benefits Cost
These affordable, comprehensive benefit plans can be paid for by either the employer or the employee. If paid for by the employee, they will receive these benefits pre-tax.
Resources
All downloadable files are in PDF format unless otherwise noted. If you do not have Adobe Reader you can get it here free.
News: Benefit News
2025 CAA Compliance: RxDC Report
EFFECTIVE DATE: June 1, 2025 Under Section 204 (of Title II, Division BB) of the Consolidated Appropriations Act, 2021 (CAA),
HHS Announces HIPAA Audit Program Will Resume
The U.S. Department of Health and Human Services (HHS) recently updated its HIPAA enforcement website to announce the start of its 2024-25
FAQs Provide New Guidance on Gag Clause Attestation
On Jan. 14, 2025, the Departments of Health and Human Services, Labor and the Treasury (Departments) issued frequently asked questions (FAQs) on