Our commitment is to exceed our clients' expectations as we deliver an EASY BUTTON in the form of dedicated, professional quality service!. Providing services in all areas of employee benefits, group and individual medical, dental, vision, life, long-term and short-term disability insurance, 401K plans and Medicare plans. We work with you to formulate a custom best in class benefits package specific to your team's needs.
Educating your team and resolving their benefit plan issues, providing claims and benefit utilization reports to management.
Educating your team and resolving their benefit plan issues, providing claims and benefit utilization reports to management.
Services
SCISI, Sandy Coventry Insurance Services, Inc. was established in 2002 by Sandy Coventry, RHU.
Over the past 30+ years, Sandy Coventry has developed an outstanding reputation for integrity and excellence.
SCISI partners with financially strong "A" rated insurance companies to bring the most advanced products to the marketplace.
We pride ourselves on our ability to customize innovative fully insured and partially self-funded insurance programs to meet the specific needs of our clients.
Our company employs a long-term, stable team of insurance specialists and is located in the Solana Beach area of San Diego.
Over the past 30+ years, Sandy Coventry has developed an outstanding reputation for integrity and excellence.
SCISI partners with financially strong "A" rated insurance companies to bring the most advanced products to the marketplace.
We pride ourselves on our ability to customize innovative fully insured and partially self-funded insurance programs to meet the specific needs of our clients.
Our company employs a long-term, stable team of insurance specialists and is located in the Solana Beach area of San Diego.
Medicare is our country's health insurance program for people age 65 or older.
People younger than age 65 with certain disabilities, or permanent kidney failure, or amyotrophic lateral sclerosis (Lou Gehrig's disease), can also qualify for Medicare.
The program helps with the cost of health care, but it doesn't cover all medical expenses or the cost of most long-term care.
You have choices for how you get Medicare coverage.
If you choose to have original Medicare coverage, you can buy a Medicare supplement policy (called Medigap) from a private insurance company to cover some of the costs that Medicare does not.
People younger than age 65 with certain disabilities, or permanent kidney failure, or amyotrophic lateral sclerosis (Lou Gehrig's disease), can also qualify for Medicare.
The program helps with the cost of health care, but it doesn't cover all medical expenses or the cost of most long-term care.
You have choices for how you get Medicare coverage.
If you choose to have original Medicare coverage, you can buy a Medicare supplement policy (called Medigap) from a private insurance company to cover some of the costs that Medicare does not.
The most affordable type of insurance when initially purchased, is designed to meet temporary needs.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during that term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during that term.
This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.
For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
The following is a list of ideas for increasing participation in your 401K Plan.
As participation increases generally the results of the required non-discrimination testing become more favorable.
We've listed the strategies in order of increasing cost (usually in terms of the employer contributions) and administrative complexity.
The 401(k) plan that you sponsor is one of the most powerful tools available to the average worker for building a secure retirement.
Simply encouraging employees to participate is a low cost means of increasing participation, and can be a very satisfying way of helping your employees save for their future.
As participation increases generally the results of the required non-discrimination testing become more favorable.
We've listed the strategies in order of increasing cost (usually in terms of the employer contributions) and administrative complexity.
The 401(k) plan that you sponsor is one of the most powerful tools available to the average worker for building a secure retirement.
Simply encouraging employees to participate is a low cost means of increasing participation, and can be a very satisfying way of helping your employees save for their future.
Disability is insurance for your paycheck.
It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you're able to return to work.
Simply put, if you have a job, you most likely need disability insurance.
The possibility of a disabling illness or injury may seem remote, but statistics say otherwise.
People have a three in 10 chance of suffering a disability that keeps them out of work for 90 days or longer at some point during their working career.1.
It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you're able to return to work.
Simply put, if you have a job, you most likely need disability insurance.
The possibility of a disabling illness or injury may seem remote, but statistics say otherwise.
People have a three in 10 chance of suffering a disability that keeps them out of work for 90 days or longer at some point during their working career.1.
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