With over 25 years of experience, Alnic Inc. has become a leader in creative employer solutions for medical and life insurance. Our personalized service ensures that clients receive the best financial advisement for the most competitive price. Alnic prides itself on building a professional relationship with each and every client; which is why so many of our customers have been with us for many years.
We are able to serve various clients in different financial brackets because we understand that every client's financial situation and their needs are unique. With that understanding we are able to lay out the best options to serve your financial goals. At Alnic we believe whether you are a high-net worth client or a small/large business, every client deserves the same treatment and expert advice.
We are able to serve various clients in different financial brackets because we understand that every client's financial situation and their needs are unique. With that understanding we are able to lay out the best options to serve your financial goals. At Alnic we believe whether you are a high-net worth client or a small/large business, every client deserves the same treatment and expert advice.
Services
Alnic Inc. is a New York / New Jersey independent insurance agency specializing in Business, Senior, Individual and Family Insurance solutions.
Our clients are located all across the tri-state area, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs which we combine with personalized insurance advice aimed at helping clients make better-informed decisions.
Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
Our clients are located all across the tri-state area, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs which we combine with personalized insurance advice aimed at helping clients make better-informed decisions.
Our mission is to build lasting client relationships based on a level of trust that is earned through wise counsel, positive results, clear and candid communication, and service that exceeds expectations.
SAVING MONEY on employee benefits is a must in today's economy.
The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages.
Many employers struggle to balance employee needs with their own capabilities and bottom lines.
Helping you meet these divergent objectives is our specialty.
For years, Alnic Inc. has been providing insurance and employee benefits consulting services to the business community.
Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages.
Many employers struggle to balance employee needs with their own capabilities and bottom lines.
Helping you meet these divergent objectives is our specialty.
For years, Alnic Inc. has been providing insurance and employee benefits consulting services to the business community.
Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.
At Alnic Inc we know that understanding, planning for, and complying with Health Care Reform legislation (the Patient Protection and Affordable Care Act, or PPACA) will continue to be of critical importance to employers.
Further, ongoing compliance with an extensive list of other health and welfare benefits acronyms and statutes (including ERISA, COBRA, HIPAA, USERRA, and ADEA) are essential to your business success.
Alnic Inc. resources and depth of experience can help bring your employee benefits program into compliance economically and prudently, ensuring that your benefits program structure, procedures, and policies meet current and future legal requirements.
Further, ongoing compliance with an extensive list of other health and welfare benefits acronyms and statutes (including ERISA, COBRA, HIPAA, USERRA, and ADEA) are essential to your business success.
Alnic Inc. resources and depth of experience can help bring your employee benefits program into compliance economically and prudently, ensuring that your benefits program structure, procedures, and policies meet current and future legal requirements.
Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Disability Income Insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability will make working, and therefore earning money, impossible.
It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
It does not have to be a freak injury that prevents you from working - back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.
It includes paid sick leave, short-term disability benefits, and long-term disability benefits.
More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
It does not have to be a freak injury that prevents you from working - back injuries, cancer, heart disease or other illnesses are the majority of the reasons for long-term absences.
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