Kenmore Town of Tonawanda Chamber of Commerce

Insurance Plans -  Get More Benefit.

In a continued effort to offer the best possible solutions to meet your individual and business needs, the Ken-Ton Chamber of Commerce benefits program offers a variety of insurance plans at highly competitive rates. To deliver these benefit we have teamed together with Bene-care Agency, LLC - an insurance agency, benefits broker and payroll provider, who has served as a partner to employer groups and individuals in Western New York for over 40 years. Through Bene-Care, we will now be able to offer members an enhanced portfolio of benefit offerings from all of WNY Insurance carriers, as well as many other lines of service.
  • Dental
  • Vision
  • Long term Disability
  • Short Term Disability
  • NYS Disability
  • AD&D Insurance

Small business owners with 2-100 employees,  Click Here to view all of the options available to you and your employees. Individuals, and small businesses with ‘owner only’ policies,  Click Here to view all of the options available to you. The Ken-Ton Chamber of Commerce offers a portfolio of services to help you, your business, and your employees navigate and manage the complexities of employee benefits, healthcare reform, payroll, and human resources. These services, which are powered by Bene-Care, create a complete Human Capital Management Solution to increase efficiencies and lower costs. Online enrollment tools allow for ease of administration, and Bene-Care’s flexibility allows you to choose the lines of service that are right for you. As an added benefit, Bene-Care’s payroll solution lets employers incorporate applicant tracking, employee on-boarding, time and attendance, benefits administration and HR management functions right within a single system! They also offer Workers’ Compensation policies with per-pay-period billing, along with full-service ACA tracking and reporting. Please feel free to contact Bene-Care Agency directly by phone at 716.688.8161, or by email at bcbuffalo@bene-care.com with any questions you may have.

BENE-CARE Agents will assist with the enrollment process, answer your questions and provide the necessary paperwork to assure you the best coverage for your healthcare dollar. Bene-Care also offers other services to help you, your business, and your employees navigate and manage the complexities of benefits, healthcare reform, payroll, and human resources.

The Ken-Ton Chamber of Commerce benefits program offers

Dental

Vision

Short Term Disability

Long Term Disability

NYS Disability

Life Insurance

AD&D Insurance


Bene-Care also offers other services to help you, your business, and your employees navigate and manage the complexities of benefits, healthcare reform, payroll, and human resources.


CALL to set up an appointment

and learn what options are available

to you and your employees


716-688-8161

(press option #1 and then Option#1 again) 
or email bcbuffalo@bene-care.com



Coordination of Benefits (COB) with Medicare **Action May be Required** When coverage is available to a plan participant or beneficiary under more than one group health plan or insurance policy, questions will naturally arise about which coverage should pay first. These questions are addressed by a plan's "coordination of benefits" (COB) rules, which are very complex and continually changing. COB rules determine which plan, or insurance policy, should be primary if two or more health plans or insurance policies potentially provide coverage for the same underlying claim for benefits. COB rules are particularly important when it comes to Medicare coverage. Federal law dictates when Medicare will pay first and when Medicare will be a secondary payer. These rules are known as the Medicare Secondary Payer, or MSP, rules (see chart for breakdown). If an employer sponsored insurance policy is the secondary payer, with Medicare as the primary coverage, employees may need to enroll in Medicare Part B before the employer sponsored health insurance plan will pay out on any claims. *Action May be Required* Mutual data exchange programs help to ensure that claims will be paid by the appropriate organization/insurance carrier. With your assistance, Bene-Care can also work to ensure that you and your employees have the proper Medicare coverage in place to prevent a potential COB issue. In order to properly identify employees and their dependents who are currently enrolled in Medicare, or who are Medicare eligible at this time, please click here to download our MSP form. A completed copy of this form should be returned to your dedicated Benefits Consultant and/or Account Coordinator prior to your next benefits renewal period. If you are unsure of who to contact, please send your completed MSP form to our general inquiry mailbox at bene-care@bene-care.com. You may also contact us with questions at 1.800.333.1673. If you do not have any employees (or dependents of employees), who are Medicare eligible, or currently enrolled in Medicare, you do not need to complete the MSP form. For more details on MSP rules, please visit the official IRS guide to who pays first. Thank you! Sincerely, Bene-Care Agency, LLC

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