FAQ
Frequently Asked Questions about our Insurance Services
These are the most common questions we answer about services, including group health insurance, retirement medical plans, employee and executive benefit plans, and temporary disability insurance (TDI).
Please let us know what questions you have!
What types of insurance do you offer?
At Teshima Insurance Group, we offer a variety of insurance options, including group health insurance, retirement medical plans, employee and executive benefit plans, and temporary disability insurance (TDI). We tailor these plans to meet the unique needs of businesses and individuals.
How much does group health insurance cost?
The cost of group health insurance depends on several factors, including the size of your business, the plan you choose, and the level of coverage. We’ll work with you to find the best plan within your budget.
What if I need to change my insurance plan later?
We understand that businesses grow and change. If you need to adjust your coverage, we’ll help you review new options and make the transition as smooth as possible. Our agents are here to assist you whenever your needs evolve.
Do I have to provide employee benefits for part-time workers?
It depends on the specifics of your business and local laws. We can review your situation and guide you through the requirements for offering benefits to part-time employees.
Is my business required to offer temporary disability insurance (TDI)?
Yes, in Hawaii, employers are legally required to provide TDI for eligible employees who are unable to work due to non-work-related illness, injury, or pregnancy. We can help you choose a plan that meets the state’s requirements while ensuring your employees are protected.
How do I file a claim for TDI or health insurance?
Filing a claim with us is easy. For health insurance, you’ll typically file claims through your healthcare provider. For TDI, we’ll provide you with step-by-step instructions on how to submit the necessary forms to ensure your employees receive the benefits they are entitled to.
How do I know which health insurance plan is right for my business?
We take the time to understand your business, its size, and your employees’ needs. Our agents will walk you through the available group health insurance plans and help you choose the one that provides the right coverage at the best value.
What if my employees have specific health needs?
We work with various insurers to provide customizable health plans that can cover a wide range of health needs. If your employees have specific requirements, we’ll do our best to find a plan that offers the appropriate coverage.
What are employee benefits, and why are they important?
Employee benefits include things like health insurance, retirement plans, group life insurance, long-term disability, supplemental programs, and paid time off. These benefits help attract and retain talented employees, keep your team healthy and happy, and improve overall job satisfaction.
How can offering employee benefits help my business?
Offering strong employee benefits helps improve job satisfaction, attracts top talent, and reduces employee turnover. Healthier, happier employees are more productive and loyal, leading to long-term success for your business.
How does TDI benefit my employees?
Temporary disability insurance (TDI) provides wage replacement when employees can’t work due to sickness, injury, or pregnancy. This helps your employees during tough times by covering a portion of their lost wages.
How does TDI differ from workers’ compensation?
TDI covers non-work-related injuries, sicknesses, and pregnancies, while workers’ compensation covers injuries that occur on the job. Both provide support to employees, but the circumstances for coverage are different.
Can I offer health insurance to my employees without covering the full premium?
Yes, most employers share the cost of premiums with their employees. You can choose to cover part of the premium, while the rest is paid by the employees who opt in for coverage. We’ll help you find a balance that works for both you and your team.
Can individuals sign up for health insurance, or is it only for businesses?
While we specialize in group health insurance for businesses, we can also help individuals find personal health insurance or Medicare plans that fit their needs.
Can I customize the employee benefits package for my business?
Yes! We offer flexible options so you can create a benefits package that fits your business’s size and budget. Whether you need health insurance, retirement plans, or additional perks, we’ll help you put together a plan that works for your team.
Why is it important to have a retirement medical plan as part of my employee benefits package?
Offering a retirement medical plan gives employees peace of mind, especially as they near retirement. It’s a unique benefit that can set your business apart from competitors, showing your commitment to your team’s long-term health and security.
What happens if an employee is injured at work?
Work-related injuries are typically covered by workers’ compensation insurance, which is different from TDI. If the injury is not work-related, TDI may help provide wage replacement. We can guide you on the differences and help you manage both types of insurance.
What if my employees have specific health needs?
We work with various insurers to provide customizable health plans that can cover a wide range of health needs. If your employees have specific requirements, we’ll do our best to find a plan that offers the appropriate coverage.
How do I get started with Teshima Insurance Group?
Getting started is easy! Contact us today for a complimentary consultation, and we’ll help you assess your needs, compare options, and find the best insurance solutions for your business or personal situation.
Contact TIG
Get In Touch
We’re here to help! Whether you have questions about our services or are ready to get started, our team at Teshima Insurance Group is just a message away. Reach out to us by phone, email, or through our online form, and one of our friendly agents will assist you with your insurance needs.
