Employee Benefits & Administration

Navigating the Affordable Care Act (ACA) can be overwhelming for businesses, especially regarding compliance, reporting requirements, and employee eligibility. Landrum HR Solutions simplifies this process by handling ACA-related compliance on your behalf. From tracking employee hours and managing benefits eligibility to filing accurate reports with the IRS, we provide expert guidance and administrative support, reducing risk and ensuring your company stays compliant with confidence.

Landrum provides a wide range of healthcare benefit plan designs to meet the needs of your workforce. Options include Preferred Provider Organizations (PPO), Health Maintenance Organizations (HMO), and High-Deductible Health Plans (HDHP), many of which have convenient telehealth services built in. Get comprehensive coverage and cost-effective solutions. Our team partners with you to customize the right plans to support your business goals and your employees’ well-being.

If you are participating in a High-Deductible Health Plan (HDHP), you can also contribute to an HSA account. HSA savings accounts let you set aside money through payroll deductions on a pre-tax basis to pay for qualified medical expenses such as deductibles, copayments, and coinsurance. This savings account is yours, and you can keep the funds even when you leave your job.

An FSA will let you pay for many out-of-pocket expenses with tax-free dollars. You decide how much to put into the FSA account, up to a limit set by the IRS. If money is left at the end of the year, it will roll over up to the IRS maximum for active participants to use in the following year, with anything unused over that value forfeited under the use-it-or-lose-it rule.

Landrum offers plans for critical illness, accident, hospital indemnity, legal insurance, and a cyber safety benefit. These plans are payroll deducted while working with Landrum and portable if you leave employment. The critical illness, accident, and hospital indemnity plans include a health screening benefit where cash is paid upon confirmation of a preventive screening, such as your annual physical.

Short-term disability benefits provide financial support to employees who are temporarily unable to work due to illness, injury, or pregnancy. We offer voluntary and employer-paid short-term disability plans. Options include coverage periods of 13 or 26 weeks and a 7 or 14-day waiting period. When approved by a physician, plans cover up to 60% of an employee’s salary with a maximum weekly benefit.

Long-term disability benefits provide financial support to individuals who are unable to work for an extended period due to illness or injury. Our Long-Term Disability insurance pays up to 60% of an employee’s salary, with a maximum of $6,000 or $10,000 per month, depending on the option selected. Plan options include either a 90- or 180-day waiting period. We offer both voluntary and employer-paid options.

A comprehensive eye exam can help find eye and general health conditions sooner! Our vision plans provide eye exams, glasses, and contact lenses when participating optometrists perform services. Additional discounts are also available through the program, including discounts on prescription eyeglasses and non-prescription sunglasses.

Our dental insurance plans cover preventative services, such as bi-annual cleanings, at little or no cost to the employee. Basic dental procedures, such as fillings, are covered by up to 90%, with major dental procedures covered by up to 60%. Orthodontic services are also available for you and your dependent children, depending on the plan choice.

The Employee Assistance Program (EAP) is available to assist employees during challenging times. It provides confidential counseling services nationwide for stress, grief, loss, substance abuse, depression, anxiety, and so much more. By calling 800-245-1150, you may schedule an appointment with a local network provider at no charge. The EAP program is available to employees and immediate family members for up to three visits each.

Saving and planning for the future is an important financial strategy that we make easy.

Landrum sponsors a multiple-employer 401(k) plan. Clients may adopt the plan and customize the eligibility requirement, vesting schedule, matching contribution, and profit-sharing option. A Safe Harbor plan design is also available. Landrum HR Solutions is the plan trustee, fiduciary, and sponsor. There is no cost to the client, other than the employer contribution, if elected.

Landrum provides access to a pet discount program for your furry friends! Enroll in an available plan and receive access to the following benefits and more for one low monthly rate!

• Up to 40% off prescriptions, preventatives, food, toys, treats, and more
• Instant 25% savings on in-house medical services at participating veterinary clinics
• ID tag and lost pet recovery service for peace of mind if your pets go missing

We offer a variety of employer-paid and voluntary life insurance plans. Voluntary life insurance is in increments of $10,000 up to $1,000,000 (or 5x the employee’s salary), with a guaranteed issue of $200,000. Spouse voluntary life options are in increments of $5,000 up to $250,000, not to exceed 50% of the employee policy, with a guaranteed issue of $50,000. Grief counseling and claims assistance are included in all plans at no additional cost.

Virtual healthcare (telehealth) is an added medical benefit offered at no additional cost to employees enrolled in one of Landrum’s non-HSA health insurance plans. There is a small co-pay for employees enrolled in a Landrum HSA plan. The virtual healthcare (telehealth) program extends to immediate family members, even if they are not enrolled in the health plan.

A cafeteria plan allows employees to reduce taxable income and get great benefits! When a pretax deduction is taken, this lowers taxable income and means employees pay less in taxes. We offer our clients and their employees plans that allow them to pay for insurance premiums with pre-tax dollars. This saves money every payday that would normally be deducted for taxes.

Landrum supports every type of growing family. Good-standing employees who have completed one year of full-time service and who adopt a child through a state-approved agency may be reimbursed up to $500 for legal fees incurred in an adoption.

To request reimbursement, please submit a written request to the Landrum HR Benefits Department, along with documentation of adoption and expenses.

Take advantage of savings with our corporate discount program for well-deserved time away from work, or even when planning a fun-filled weekend. We offer all employees fringe benefits such as travel and entertainment discounts at participating theme parks, cruises, rental cars, movie theaters, hotels, sports events, and health clubs.

Norton LifeLock provides proactive identity theft protection and credit monitoring to help safeguard your personal information. You’ll have access to tools that detect threats early and support you in restoring your identity if fraud occurs.