Employee Benefits & Employer Retirement Plans

Employers reviewing a core employee protection benefit.

Group Life Insurance

Group life insurance provides a death benefit to the employee’s designated beneficiary when a covered death occurs under the policy. Employer-paid and employee-paid arrangements, dependent benefits and supplemental amounts are reviewed only where the available carrier program supports them.

What Legacy Wise and Fusco Insurance provide

We review the employer’s goals, workforce profile and existing group program; coordinate eligible carrier or provider inquiries through the licensed insurance operation; and help organize benefit amounts, eligibility, contribution and enrollment questions for comparison.

Prepare your request

Employee count and work states, eligible employee classes, current benefit amounts, renewal timing and whether the employer or employees will pay premiums. Initial intake does not require employee medical details.

What happens next

A scoped group-life review and next steps for an eligible quote or carrier application. Any enrollment evidence, exclusions, continuation rights and effective date must be confirmed under the actual program.

Employers considering income protection for shorter qualifying absences.

Short-Term Disability

Short-term disability coverage may replace a portion of income during a qualifying disability for the period stated in the contract. It is separate from workers’ compensation and must be reviewed alongside any applicable statutory program, leave policy and existing benefits.

What Legacy Wise and Fusco Insurance provide

We clarify the employer’s income-protection goal and coordinate review of available benefit periods, waiting periods, covered earnings, eligibility and employer/employee contributions. The actual policy and relevant provider determine what is covered.

Prepare your request

Employee count and locations, current disability or leave program, desired waiting and benefit periods, contribution preference and renewal date.

What happens next

A comparison-ready needs summary and an appropriate carrier/provider review. A website inquiry does not establish benefits or confirm an employee’s claim eligibility.

Employers considering protection for a longer qualifying interruption of earnings.

Long-Term Disability

Long-term disability coverage may provide income benefits after the contract’s waiting period when the insured meets its definition of disability. Benefit duration, earnings limits, offsets and exclusions depend on the specific policy.

What Legacy Wise and Fusco Insurance provide

We organize the employer’s goals and existing short- and long-term programs, then coordinate an eligible licensed review. We help identify the questions to resolve about covered income, waiting periods, disability definitions and coordination with other benefits.

Prepare your request

Workforce locations and classes, approximate employee count, existing coverage, desired benefit structure and renewal or implementation target.

What happens next

An eligibility and program-review path with documented comparison questions. Final premiums, coverage and claims provisions come from the approved carrier program.

Employers who want employees to have additional benefit choices.

Voluntary Employee Benefits

Voluntary benefit programs give eligible employees access to selected insurance options, often with employee contributions. The product menu, participation requirements, enrollment windows and payment arrangements depend on the available provider program; a broad category is not a promise that every supplemental product is available.

What Legacy Wise and Fusco Insurance provide

We identify the employer’s priorities and requested benefit types, review the existing program and coordinate a provider conversation about supported options, participation and enrollment. If a requested product is outside the available scope, we clarify that before an enrollment commitment.

Prepare your request

Requested product types, employee count and states, existing benefits, contribution or payroll-deduction needs, and the target enrollment period.

What happens next

A defined benefit request, confirmed provider scope and the next step toward a comparison or enrollment proposal. Ask for the specific product you need rather than rely on a generic “voluntary benefits” label.

Employers reviewing dental access and benefit costs for a workforce.

Employer Group Dental

Group dental programs are reviewed for eligible employees and dependents based on the actual plan. Dentist networks, covered services, deductibles, coinsurance, annual maximums and waiting periods all affect how a plan works.

What Legacy Wise and Fusco Insurance provide

We coordinate a group dental review through the existing dental inquiry path, including workforce eligibility, preferred dentist access and available plan designs. Confirm a dentist’s participation in the specific network before enrolling.

Prepare your request

Employee count and states, current plan and renewal timing, employer contribution preference, and any dentist-access priorities.

What happens next

A dental-specific review and next steps for eligible provider quotes. A benefits request does not confirm network access, treatment coverage or enrollment.

Read the full dental coverage guide →

Business owners and HR teams starting, reviewing or changing an employer retirement program.

Employer Retirement-Plan Coordination

This service organizes the questions and provider handoffs around an employer retirement plan. Plan design, administration, participant requirements, payroll connections, investments and tax treatment require the appropriate qualified professionals; they are not settled by this insurance page.

What Legacy Wise and Fusco Insurance provide

We clarify whether you need initial plan-provider introductions, an existing-program review, administrative coordination or help organizing a change. We help identify the responsible provider, administrator, payroll contact and tax adviser for the requested scope.

Prepare your request

Existing plan type and provider if any, employee count, business structure, payroll system, reason for review and target decision date. Do not submit participant account balances or login details in the initial inquiry.

What happens next

A defined coordination brief and appropriate provider resources. Securities transactions, investment selection, fiduciary determinations and investment-advisory services are not offered through this page.

Personal retirement, pension and rollover questions →

Businesses that depend materially on an owner or important employee.

Key-Person Life Insurance

Key-person life insurance is reviewed as one possible way to address the financial impact of a covered death involving an important person in the business. The intended purpose, ownership, beneficiary, coverage amount and consent requirements need to be reviewed for the actual arrangement.

What Legacy Wise and Fusco Insurance provide

We discuss the person’s business role, the financial exposure the business wants reviewed and existing coverage, then coordinate a licensed life-insurance review. Legal, ownership and tax questions are referred to the appropriate professionals.

Prepare your request

Business activity, state, key person’s role, the reason for protection, approximate coverage goal and existing policy information. Sensitive underwriting details are collected only through the confirmed carrier process.

What happens next

A business-protection needs review and eligible application next steps. This is distinct from employee group life, and no policy is bound by submitting a request.

Business owners coordinating insurance with an ownership-transition agreement.

Buy-Sell Life Insurance

Life insurance may be considered to help fund obligations arising under an appropriately prepared buy-sell agreement. The agreement’s terms, valuation approach, ownership structure and intended funding arrangement must be clarified with legal and tax professionals.

What Legacy Wise and Fusco Insurance provide

We review the insurance purpose and existing coverage and coordinate eligible life-insurance options. We work within the agreed insurance scope while counsel and the relevant tax adviser address the agreement and its consequences.

Prepare your request

Number of owners, business state, whether an agreement already exists, review timing, general funding objective and existing relevant coverage. Do not upload a private agreement into a general inquiry.

What happens next

An insurance review coordinated with the agreement’s professional review. The policy does not draft the agreement, establish business value or guarantee that the arrangement meets legal or tax requirements.

Important service information

Coverage, employer eligibility, employee eligibility, premiums and plan availability depend on jurisdiction, provider and underwriting. Initial review does not bind insurance or enroll employees. Employer retirement requests are coordination and provider referrals; securities and investment-advisory services are not offered through this page. Legal and tax questions require the appropriate qualified professional.