Public entities have varying coverage needs that require careful analysis and plan selection. Opting for the package that most appropriately matches existing needs is of the utmost importance to reducing insurance costs. With limited financial resources available at the municipal and local school board level, working with Fairview can reduce your risk, lower your cost, and provide for a more desirable and attractive workplace environment. Our experience in the public sector began in the 1980s and continues to be a valuable asset for our public clients, as we are one of few companies who have found their market niche in offering this type of coverage. With extensive knowledge of the public sector market place, we help move clients out of the New Jersey State Health Benefits Program to save hundreds of thousands of dollars while enhancing employee benefits and coverage. The ability to work with public entities to meet their insurance needs distinguishes Fairview from other brokers. What sets us apart is not solely our background in the field of public insurance, but our attention and commitment to serving our customers. Fairview will help you cut through the red tape, make the important calls for you and handle claims on a case-by-case basis to ensure your employee’s benefits needs are consistently met. We offer a variety of features to our public sector clients including competitive bid obtainment, access to valuable HR tools, employee benefits websites, marketplace and regulation reviews, claims mediation, toll-free customer service, employee education and various other services that will address your comprehensive coverage needs with quality customer service support. Fairview’s flexible employee benefits program includes coverage for the following insurance needs: • Health Insurance, helping you design a group insurance plan that can include major medical, dental, vision and prescription coverage. We work with you to determine whether to offer traditional indemnity plans, managed care plans, or both. Additionally, we analyze your needs and budget to formulate cost sharing measures between you and your employees; a “cafeteria” approach that provides adequate coverage while saving you money. • Disability Insurance, which provides short- and long-term disability coverage to employees who are unable to work. Fairview will help you find affordable disability insurance programs that provide important protection in unfortunate circumstances. This income protects your employees by providing income if they cannot perform their job duties due to disability. • Life Insurance, to ensure your employee’s beneficiaries are protected in the most cost-efficient manner. Tragedy can strike at any moment and when these difficult times arise, a life insurance policy will ensure your loved ones are cared for and protected from financial harm. Fairview will analyze your individual needs in choosing the best policy at a fair and affordable price. • Long-Term Care Insurance, to assist in covering the high costs of long-term care in a nursing home, assisted living facility or home that are not typically covered by health insurance. When you or your loved ones reach the later stages of life, affordable and quality care is a necessity. Fairview will help plan for these expenses to ensure you and your loved ones receive the attention and care they need.

Let one of our Insurance Specialists help you get started on your way to savings. Doris Daye-Smith 973.559.4094 ddaye-smith@fairviewinsurance.com

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