Are you confident
in your coverage? We are! Whalen Insurance Associates

about us

Founded in 1986, Whalen Insurance Associates, Inc. is a full service insurance firm specializing in Employee Benefits & Executive Planning. We strive to provide our clients with comprehensive advice based upon extensive analysis of existing benefit programs, the current economic climate and market trends.

Most importantly, we provide our clients with superior customer service!

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Our Account Executives are dedicated to providing excellent service with regard to every aspect of your insurance program. Their primary concern is to study the coverage needs of your company and to provide you with an insurance package which not only meets those needs, but keeps you current and compliant with the latest industry trends and legislation.

In today’s challenging business environment, it is more important than ever to carefully consider critical strategic decisions. Whalen Insurance Associates is uniquely prepared to help you manage you business and assure its future success. Collectively we have over 80 years of insurance experience. We are well prepared to apply our knowledge and expertise to your business. Each client is treated as an individual, and together we work toward accomplishing a successful benefit program.

  • Meet with you to review insurance coverages
  • Prepare recommendations regarding gaps in coverage and exposure
  • Present annual proposal
  • Provide updates on current industry trends that may impact your business
  • Develop a relationship with you that encourages the use of your Account Executive as a resource on multiple issues
  • Ensure first and foremost, service to you, our client
  • Assure timely service regarding all aspects of your insurance program
  • Continually foster a relationship of mutual trust between your company and our agency

employee benefits

Attracting and retaining quality employees is a challenge for any business.

In today’s competitive economy, companies must offer competitive compensation packages. While hourly wages & salaries represent the large part of this package, as much as one-third of your employees’ overall compensation might be comprised of fringe benefits. Detailed analysis of your benefits program should be an integral part of your overall business planning, and will have an impact on the bottom line.

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We provide independent and impartial advise based upon a variety of factors including budget, employee desires, compliance issues and competitive market conditions. We work with over 20 different insurance companies, including all of the major health insurance carriers currently offering coverage in Central Pennsylvania. We take an objective look at all of the options available.

Based upon your particular circumstances, we make recommendations based not on the lowest cost, but the best value for your dollar

  • Health
  • Life
  • STD & LTD
  • Dental
  • Vision
  • Long Term Care

voluntary benefits

Why employee & employers favor Voluntary Benefits...

In today’s environment, many employers are reluctant to provide their employees with additional benefits due to the financial strain of soaring health care costs. In fact, some employers have been forced to eliminate benefits they once provided to their employees. This leaves a void for many employees as they traditionally have counted on their employer to provide such benefits as Life, Disability, Dental and Vision insurance.

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What’s more, the aging of baby boomers has uncovered a need for pre-retirement planning that may also have a home in a package of Voluntary Benefits

Voluntary offerings allow individuals to pick and choose the benefits they need and desire. Many benefits offered through payroll deduction can be placed under your Section 125 so that the deductions are made on a pre-tax basis. If approached properly, voluntary benefit planning can be an extremely useful tool in helping you to improve your employee’s overall job satisfaction.

What are the advantages for employers

Voluntary benefits are normally offered to employees through payroll deduction. Therefore, there can be NO DIRECT COST to you the employer. Of course, there is some administration involved as with any benefit program. But we work with you to carefully select the right mix of benefits for your company. We help you choose venders with not only the best benefit/cost combination, but also the smoothest administrative process. However, the biggest advantage is the increased overall satisfaction your employees experience from having the ability to fulfill some of their individual financial needs through payroll deduction.

What’s involved?

At Whalen Insurance Associates, we can help assess the needs of your employees by conducting employee surveys to determine what products will be most desired by your people. Worksite offerings available include:

  • Dental
  • Vision
  • STD & LTD
  • Term Life
  • Long-Term Care
  • Universal Life

After we determine the products, services and companies to be offered, we conduct informational meetings. We work with selected vendors to communicate and implement programs that benefit everyone concerned.


senior needs

We are here to help.

Our expertise provides you with current information regarding Medicare. Our staff is able to give you personal service that will provide you with the best policy and rates for your insurance needs.

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Medicare Supplements:

  • American Progressive
  • Continental General
  • Conseco Health
  • Philadelphia America
  • CRL
  • Mutual of Omaha
  • PacifiCare
  • United Teacher

Long Term Care:

  • MedAmerica
  • Penn Treaty Network America
  • Monumental Life
  • John Hancock

life

Help protect yourself, your family or even your employees and business partners with strategic planning.

Consider life insurance to meet those needs. There are many forms of life insurance policies to choose from. We can help you or your business find the right policy at the right price to fit your needs. We work with many different carriers in the life marketplace to ensure you are receiving the most up to date and cost effective options and coverage. Let us help you or your business establish a policy today.

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Life Carriers:

  • Banner Life
  • Conseco
  • First Penn-Pacific Life
  • Jefferson Pilot
  • West Coast Life
  • Zurich Life
  • GE Financial

personal

Individual Health Plans are offered for self-employed individuals, part-time employees, singles or families through our many carriers.

There are a variety of plans to choose from PPO’s HMO’s Indemnity, and of course Health Savings Accounts.

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We offer services from these highly rated Insurance Companies:

  • Aetna
  • American Medical
  • Assurant
  • Central Reserve
  • Golden Rule
  • Health America
  • Highmark Direct Blue

Short term medical

If you are between jobs, waiting for employer group coverage, an early retiree, or are waiting for Medicare to start, we can offer you Short Term Medical Insurance through Assurant Health, which is the nation’s leading provider of Short Term Medical insurance.

This kind of coverage is for healthy individuals between the ages of 30 days and 64 years who have a temporary insurance need.

value added services

Introducing ClientCare@whaleninsassoc.com

As we continue to enhance our services to our clients we are pleased to introduce a dedicated email address that can be used by both employers and employees of Whalen clients. This direct address will have a Guaranteed 24 Hour Response to any inquiries made via this email address during regular business hours.

See how we're helping you accomplish more...

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As part of our efforts to meet your ever growing needs, we offer a strong selection of Value Added Service to all of our clients. Ranging from administrative tools & programs to resources & information tailored to fit your needs.

Administrative Tools
& Programs

  • Section 125
  • COBRA Administration
  • HRA
  • FSA
  • HSA
  • Online Account Administration
  • Benefit Portal
  • Employment Assistance Program (EAP)

Resources
& Information

  • Legal Compliance
  • Benchmarking
  • Online HR reference & resources


24 hour response for your top issues — Guaranteed!
ClientCare@whaleninsassoc.com

what is cobra?

COBRA is a federal law that assures employees who leave your company that they will have continuing healthcare coverage for their families. The law requires you (the employer) to provide continuing coverage to former employees, and to document their notifications and communications.

Let us show you how we can provide compliance solutions for you!

Are you ready for ARRA's new COBRA compliance requirements?

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If you answer No to any of these statements, you should be aware that you as the employer may be at risk for noncompliance -and possibly fines and penalties.

  • Extended Election Coverage notices will be provided to all those individuals who are or would be an Assistance Eligible Individual who had a qualifying event between Sept. 1, 2008 -Feb. 16, 2009.
  • All other notices are being sent out on time to provide needed information to particular groups of qualified beneficiaries to help satisfy ARRA's notice provisions.
  • Our current COBRA administration can handle processing the government subsidies under ARRA, as well as make the needed adjustments to payroll and tax filing procedures.
  • Access to timely information is available to keep me aware of pending ARRA deadlines, as well as access to a trained and knowledgeable staff to answer COBRA compliance questions.
  • COBRA policies, COBRA notices, and forms are developed and updated to conform to COBRA and their related regulations with the assistance of an ERISA attorney.
  • The Initial Notice of COBRA Rights is or has been provided to each employee and spouse within 90 days of becoming covered under the group health plan.
  • HIPAA Certificates of Creditable Coverage are sent First Class Mail to all individuals who lose medical coverage or medical coverage under COBRA.
  • Duplicate HIPAA Certificates of Creditable Coverage are sent upon request for up to 24 months following the loss of coverage.
  • Our employment records capture full details (name, SS#, health plan coverage details, etc.) on all employees and dependents covered under our plan.
  • COBRA-related communications are kept for the required period of time, including records of conversations with continuants.

need a quote?

In a changing economy it's important to know that you have the coverage that's right for you and your company. Let Whalen Insurance Associates make sure you're confident! Our Account Executives are ready to provide you the service and attention you deserve.

Click below to start the process!

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