{"id":6424,"date":"2017-05-11T18:30:42","date_gmt":"2017-05-11T18:30:42","guid":{"rendered":"https:\/\/www.kcal.net\/english\/?page_id=77"},"modified":"2025-12-05T20:41:17","modified_gmt":"2025-12-05T20:41:17","slug":"group-health","status":"publish","type":"page","link":"https:\/\/www.kcal.net\/english\/products\/business\/group-health","title":{"rendered":"Employee Benefits and Group Health Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_fullwidth_slider _builder_version=&#8221;4.27.4&#8243; header_font=&#8221;Arial||||&#8221; body_font=&#8221;Arial||||&#8221; background_position=&#8221;top_center&#8221; custom_padding=&#8221;100px||100px|&#8221; custom_padding_tablet=&#8221;|||&#8221; custom_padding_phone=&#8221;15px||15px|&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; box_shadow_style=&#8221;preset6&#8243; 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background_position=&#8221;top_center&#8221; button_icon_placement=&#8221;right&#8221; button_on_hover=&#8221;on&#8221; hover_enabled=&#8221;0&#8243; header_font_size_tablet=&#8221;44&#8243; header_font_size_phone=&#8221;44&#8243; header_font_size_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221; sticky_transition=&#8221;on&#8221; sticky_enabled=&#8221;0&#8243; custom_button=&#8221;on&#8221; button_text=&#8221;Get a Free Quote&#8221; button_link=&#8221;https:\/\/www.kcal.net\/english\/free-quote\/group-health&#8221; url_new_window=&#8221;on&#8221;]<\/p>\n<h2>Customized Employee Benefits Solution<\/h2>\n<h4>Health \u00b7 Life \u00b7 Vision \u00b7 Dental \u00b7 Accidents<\/h4>\n<p>[\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;10px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;\u54e1\u5de5\u798f\u5229\u548c\u5718\u9ad4\u5065\u5eb7\u4fdd\u96aa&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; custom_margin=&#8221;||8px|&#8221; custom_padding=&#8221;||8px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Employee Benefits and Group Health Insurance<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;]<strong>Healthy and happy employees create the base of a successful business. KCAL Insurance offers customized employee benefit solutions for your business. Rest assured that we strive to find the best coverage at the best possible price all while maintaining the highest level of personal attention and professionalism.<\/strong>[\/et_pb_text][et_pb_text admin_label=&#8221;\u6211\u5011\u7684\u7522\u54c1&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; custom_margin=&#8221;||8px|&#8221; custom_padding=&#8221;||8px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Our Products<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;]KCAL Insurance Agency offers a comprehensive range of employee benefits and group health insurance options for your employees and their families. Any expense an employer incurs that is related to health insurance for employees or their dependents are 100% tax-deductible and are considered ordinary business expenses for both state and federal income taxes.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;0px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;0px||0px|&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_accordion icon_color=&#8221;#003767&#8243; _builder_version=&#8221;4.16&#8243; toggle_font=&#8221;Arial||||&#8221; body_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Group Health&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]A group health plan is defined as an employee benefit plan established by an employer to provide medical care for participants and their dependents.&nbsp; The medical care includes doctor visits, lab works, emergencies, inpatient services, outpatient surgeries, medication, and other treatments with medical necessities. Under ACA, it is mandatory that groups with 50 and more employees to offer group health insurance to eligible, full time employees.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Group Dental&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Group dental insurance provides employees with oral health needs including preventive, basic and major dental services.&nbsp; It is optional to the employer.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Group Life and AD&#038;D&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Group life is a type of life insurance in which a single contract covers an entire group of employees.&nbsp; It is protection to employees\u2019 families.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;POP&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]A Premium Only Plan is a plan that allows employees to pay group insurance premiums on a pre-tax basis instead of after-tax. POP is a good way to save on taxes for both employees and employers.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; background_position=&#8221;top_left&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_accordion icon_color=&#8221;#003767&#8243; _builder_version=&#8221;4.16&#8243; toggle_font=&#8221;Arial||||&#8221; body_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Workers&#8217; Compensation&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]California state law requires all employers to have workers\u2019 compensation insurance for all employees to protect them from work-related injuries and diseases. It also covers medical expenses, work-related injury benefits, employer\u2019s liability for employee injuries, and more.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Group Vision&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Group vision coverage is an optional benefit to cover employees\u2019 eye exams and eye wear, including lenses and frames.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Group LTD &#038; STD&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Group LTD and STD provide income replacement benefits to an employee should he or she become sick or injured and unable to work.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;FSA&#8221; _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]A company sponsored FSA (flexible spending arrangement) is a special account that the employer and employees make contribution to, to pay for certain out-of-pocket health care and other eligible expenses.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_button button_text=&#8221;Online Customer Service&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; button_url=&#8221;https:\/\/static.zdassets.com\/web_widget\/latest\/liveChat.html?v=10#key=kcal.zendesk.com&#8221; url_new_window=&#8221;on&#8221; button_alignment=&#8221;center&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;rgba(30,234,234,0.19)&#8221; button_bg_enable_color=&#8221;on&#8221; button_border_width=&#8221;1px&#8221; button_font=&#8221;|600|||||||&#8221; button_icon=&#8221;&#x76;||divi||400&#8243; button_on_hover=&#8221;off&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;][\/et_pb_button][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; custom_margin=&#8221;||8px|&#8221; custom_padding=&#8221;||8px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Our Services<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;]KCAL is committed to the principles of service, integrity and professionalism while providing our valued clients with the highest quality of service with the goal of meeting each client\u2019s unique needs. Under the leadership of our account managers, every business will be supported by a strong team of certified agents.<\/p>\n<p>Under KCAL\u2019s group health insurance and employee benefits, you can enjoy the following services free of charge:[\/et_pb_text][et_pb_tabs _builder_version=&#8221;4.16&#8243; body_font=&#8221;Arial||||&#8221; tab_font=&#8221;Arial||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_tab title=&#8221;Insurance Policy Assistance&#8221; _builder_version=&#8221;4.16&#8243; body_font=&#8221;||||&#8221; tab_font=&#8221;Arial||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]Comprehensive Quote and Proposal | Plan Renewals and Re-shopping | COBRA and ERISA Assistance | Employee Addition and Deletion | New Employee Orientation | Claim Assistance | Billing Issues and Tracking | Primary Care Physician Updates, Medical Network Change and Address Change[\/et_pb_tab][et_pb_tab title=&#8221;Expert Information&#8221; _builder_version=&#8221;4.16&#8243; body_font=&#8221;||||&#8221; tab_font=&#8221;||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]Human Resource and Payroll Services | Free Business and Labor Law Consultations | Free Labor Law Poster | Free Training on Sexual Harassment Prevention and Regulation[\/et_pb_tab][et_pb_tab title=&#8221;Industry Events&#8221; _builder_version=&#8221;4.16&#8243; body_font=&#8221;||||&#8221; tab_font=&#8221;Arial||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]Seminars on Latest Health Insurance Updates | Business Owner Seminars[\/et_pb_tab][\/et_pb_tabs][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;||8px|&#8221; custom_padding=&#8221;||8px|&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>We&#8217;ve Selected the Top Insurance Carriers for You<\/h3>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; text_font=&#8221;Arial||||&#8221; header_font=&#8221;Arial||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; global_colors_info=&#8221;{}&#8221;]KCAL Insurance not only carries dozens of A-rated insurance companies, but has also been honored with VIP insurance agency for many years. Our exclusive access to many insurance companies ensures that our customers receive the fastest and most effective assistance.[\/et_pb_text][et_pb_text _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][et_pb_code _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"partners\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/2017\/05\/image069.png\" alt=\"\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div><img decoding=\"async\" src=\"https:\/\/www.kcal.net\/english\/wp-content\/uploads\/2017\/05\/image070.png\" alt=\"\"><\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/p>\n<div><img decoding=\"async\" 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