The right type of benefit plans will help you attract and retain the best employees.
If you’re disabled, disability insurance can help with monthly financial obligations like an installment loan, mortgage payments and credit card bills. It can also replace lost income.
A group health insurance plan helps you and your employees pay for health care expenses. Businesses with one or more employees are eligible to purchase group health insurance.
Life insurance can help protect your family and your financial goals in the event you’re not there to help them. It can replace your income, ensure your family can pay the bills, and send your kids to college.
Provide you and your loved ones with life-long protection with Permanent Life Insurance. It’s coverage that lasts as long as you do, and your policy earns interest and builds cash value over time.
Key person insurance, aka "key man," "key woman," or "business life insurance," is a life insurance policy a business takes out on a crucial individual, such as an owner or executive. The company pays the premiums and is the policy beneficiary.
Offering voluntary benefits to employees provides a great incentive for people to stay with your company, because employees may choose to purchase their benefits through your company at rates that are lower than they could get on their own.
Medicare is health insurance for people 65 or older, certain people under 65 with disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). Medicare helps cover your hospital and medical expenses.
Building Competitive Employee Benefits Programs in California
You are competing with bigger companies for the same talent. In California, where the cost of living ranks among the highest in the nation and skilled professionals have no shortage of options, your benefits package can be the deciding factor between keeping your best people and losing them to a competitor. Recent data shows 68% of job seekers rank benefits as a top factor when evaluating offers. That means a well-designed benefits program is not just a nice gesture for your team. It is a competitive advantage.
Post Insurance has helped California employers build, manage, and optimize their benefits programs since 1954. As an independent agency with access to 50+ top-rated carriers, we shop the market to find the right coverage at the right price, giving businesses of every size access to the same quality of options that large corporations enjoy.
Group Health Insurance for California Employers
Group health insurance is the foundation of any employee benefits program. California employers face unique regulatory requirements under both the Affordable Care Act and state-specific mandates, including the requirement for applicable large employers to offer minimum essential coverage to full-time employees. Navigating carrier networks, plan design options, and contribution strategies can be overwhelming without the right partner.
Post Insurance works with leading health insurance carriers across California to help you compare plans, understand your options, and structure a program that fits your budget and your workforce. Whether you are a small business exploring group coverage for the first time or an established employer looking to renegotiate your renewal, we handle the heavy lifting so you can focus on running your business.
Dental, Vision, and Ancillary Benefits
Dental and vision coverage consistently rank among the most valued benefits by employees, and they are relatively affordable for employers to offer. Post Insurance works with top dental and vision carriers to bundle these coverages with your group health plan or offer them as standalone options.
We also help employers add ancillary benefits that make the overall package more competitive: group life insurance, accidental death and dismemberment coverage, short-term and long-term disability insurance, critical illness insurance, accident insurance, and hospital indemnity plans. These voluntary benefits give your employees real choices and show that you are invested in their well-being, without a major hit to your bottom line.
Disability Insurance and Income Protection
California is one of a handful of states with a mandatory State Disability Insurance program, which provides short-term partial wage replacement for employees who cannot work due to a non-work-related illness or injury. However, the state benefit caps can leave significant income gaps for higher-earning employees.
Post Insurance helps employers supplement the state program with voluntary or employer-paid short-term and long-term disability plans that provide more comprehensive income protection. Disability coverage can cost as little as $25 to $50 per employee per month, making it one of the most cost-effective ways to protect your workforce and demonstrate that you take their financial security seriously.
Group Life Insurance
Employer-sponsored group life insurance provides your employees with a financial safety net for their families. Most group life plans offer a base amount of coverage, typically one to two times annual salary, at little or no cost to the employee. Supplemental and voluntary life insurance options allow employees to purchase additional coverage based on their personal needs.
Post Insurance helps California employers select group life insurance plans that balance cost, coverage amounts, and portability options, ensuring that your team has access to meaningful protection as part of their benefits package.
Retirement Plan Guidance
While Post Insurance specializes in insurance-based benefits, we understand that retirement planning is a critical component of a competitive package. We connect you with trusted retirement plan advisors and third-party administrators who specialize in 401(k), 403(b), SIMPLE IRA, and SEP IRA plans for California businesses. Offering a retirement plan with an employer match signals long-term investment in your employees and can significantly improve retention. When replacement costs run 50% to 200% of an employee's salary, retention is not just good culture. It is good math.
Compliance, Enrollment, and Ongoing Support
Managing employee benefits in California means staying current with evolving regulations at both the state and federal levels. From COBRA administration to ACA reporting, ERISA compliance, and California's paid family leave requirements, the administrative burden on employers continues to grow. Post Insurance provides year-round compliance support, employee communication materials, open enrollment coordination, and benefits administration guidance to keep you on track.
Not sure where your compliance stands? Our Employee Benefits Compliance Checklist walks through the key items every California employer should review mid-year.
Why California Employers Choose Post Insurance for Employee Benefits
Post Insurance is an independent agency, which means we are not tied to a single carrier. We shop 50+ top-rated insurance companies to find the right fit for your business. Our dedicated account teams provide same-day service, annual benefits reviews, and hands-on support at every stage, from plan design and enrollment through claims advocacy and renewal negotiations. With over 70 years of California-specific expertise, we understand the regulatory landscape and the real-world challenges California employers face every day.
Frequently Asked Questions
What size company qualifies for group benefits?
In California, businesses with as few as one employee can access group health insurance plans. Post Insurance works with employers ranging from small teams of two or three up to mid-market companies with several hundred employees.
Can you help with open enrollment?
Yes. Post Insurance provides full open enrollment support, including plan comparison materials, employee presentations, enrollment coordination, and ongoing assistance throughout the benefits year.
Do you work with specific carriers?
As an independent agency, we work with 50+ carriers, including major California health plans. This lets us compare options across the market and recommend the plans that best match your budget, your workforce, and your goals.