Antonellis & Associates assists for-profit and not‑for‑profit organizations. We provide services in the following areas:

 

• Human Resources Leadership
• Organizational Analysis and Restructuring
• Strategic Planning
• Compensation & Benefits
• Talent Management
• Employment, Compensation and Benefit Audits
• Employee Relations Programs
• Performance Management and Succession Planning
• Policy and Procedure Review and Development
• Federal and State Compliance Programs
• Custom Designed Training and Development Programs. 

 

INSURANCE SERVICES

 

As an independent licensed insurance agent in Massachusetts and Rhode Island we offer health, dental, life, long-term care, and disability insurance products for individuals, business owners, companies, employee groups and seniors.

 

Medical and Dental Insurance

 

You and/or your associates have access to a number of recognized individual medical plans at group rates. Insurance plans available include:

 

§   Aetna

§  Fallon Community Health Plan

§  Harvard Pilgrim Healthcare

§  Health New England

§  Tufts Health Plan

§  United Health Care

§  Medicare Plans

§  Altus Dental

§  Assurant Dental

§  Delta Dental of MA

 

Life Insurance

 

Life insurance can be the foundation of your financial security and can help you leave a lasting legacy. Because your needs are different from anyone else’s, we offer a broad range of life insurance products to help provide financial protection.

 

There are many types of policies that offer a variety of features and benefits. We will provide a comprehensive review of your life insurance needs and help you determine the amount of insurance and type of insurance protection that is appropriate for you and your family.

 

Disability Income Insurance

 

As a business owner, self-employed business person or individual wage earner your earned income is your greatest financial asset. Without proper protection, a serious illness or accident could have a devastating financial impact on you and your family.  Group insurance benefits and government programs cover only a portion of lost wages. Take action now to ease your financial burdens should you become unable to work. Disability income insurance protection provides an important layer of security to your financial future. We can tailor a disability income plan to suit your group or individual needs.

 

Long-Term Care Insurance

The need for long term care can happen to anyone and at any time. Normally, the need for long term care results from a lengthy, chronic illness or cognitive impairment. However, something as unexpected as an accident or injury could trigger the need. Long term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs). Long term care insurance is one option to help you plan for the high cost of future care. Long-term Care Insurance premiums may be tax deductible for both individuals and businesses.

Business Insurance

Disability Buy-Sell Agreements are designed for small business owners to provide funds for the purchase of the insured’s share of ownership in the business in the event that he/she is totally disabled.

Business Overhead Expense Insurance is designed to reimburse the business owner for overhead expenses in the event that he/she is disabled and cannot pay the covered overhead expenses of his/her business because of a decrease in income due to disability.

Buy-Sell Agreements are legally binding contracts that require one party to sell and another party to buy a particular ownership interest in a business in the event of the death, disability or retirement of a partner or stockholder or upon certain other triggering events. It is a separate legal document that ensures that any ownership transition will occur as planned. To provide cash needed to make the transition work, life insurance is used.

Executive Benefits Plans are special benefit plans that a business can provide to owners and key employees (including corporate officer-stockholders). They can be used to attract and retain key employees.