Friday, August 18, 2017



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Employee Benefits — understanding, communication and flexibility are the keys to providing the value our customers expect. PEN-PAY is dedicated to working with our clients in developing a comprehensive approach to employee benefits management. Our approach includes:

  • Understanding our client’s philosophy towards providing a comprehensive employee benefits program that meet the needs of the employees
  • Working to design benefit plans that implement the aforementioned philosophy while working within the financial guidelines of our client

The key to implementing a successful benefits program, as defined by both employer and employee, is how well each program is communicated and explained to the employees. An employer can offer a great benefits package, but if the employees don’t understand them or the benefits are not communicated effectively, the program will be perceived poorly by the employees.

The days of a one size fits all generic benefits package are over. Today’s work force is more diverse than ever. Employees seek benefit programs that address their specific needs. The most successful benefit programs are those that have the feel of being personalized, customized and flexible to the needs of the employees.

At PEN-PAY we work with our clients every step of the way to accomplish their goals. We focus on offering a full suite of group insurance products as well as individual policies. In addition we work closely with our clients in delivering these programs in an efficient, well communicated structure.


Our product offerings include a full array of traditional group insurance products that include the following:
  • Group Medical/HSA
  • Group Dental
  • Group Vision
  • Short and Long Term Disability
  • Group Term Life and AD&D
  • Group Long Term Care
  • Cafeteria
  • 401(k)
  • Non-Qualified Deferred Compensation

In addition to the traditional group product offerings, PEN-PAY can offer a variety of voluntary programs. These programs can include extension of traditional insurance products such as individual life, individual disability or long term care. Additionally, these programs can be expanded to offer such items as critical care insurance, pet insurance as well as insurance for employees home, auto and valuables.



Once we have worked with our clients in developing an employee benefits program that meets their criteria we work very closely in communicating and educating the employees on the various programs being offered. We then provide a delivery method that provides control and efficiencies for the employer and is user friendly for the employee. With coordination, we can provide multilingual support.
Benefits Communication

  • Specifically designed communication pieces
  • On-site enrollment meetings
  • As part of annual enrollment PEN-PAY staff will update plan specifics
  • Professionally staffed resources problem solve any issues that come up
  • Single sign on portal for clients to access:
    • Payroll information
    • Retirement plans
    • Non-Qualified plans

Benefits Administration

  • Section 125 Plans
  • Flexible Spending Accounts (FSA)
  • Health Savings Accounts (HSA)
  • COBRA Administration
  • 401(k)
  • Non-Qualified Deferred Compensation
  • Flex Plans
  • POP (premium only plan)


At PEN-PAY, we are dedicated to designing and implementing employee plans that work for our clients and their employees delivered in a highly efficient system that saves our clients time, money and paperwork.