Putting the BENEFITS back in
YOUR Employee benefits

Featured on KZSB Radio’s Commerce show with Steve Cushman


62% of employees rated benefits as the most important factor when comparing job offers.

Today there are a variety of ways employers can improve the value of medical benefit offerings to their employees. Some are based on the type of products being offered, how they are delivered, or how the plan is financed.

You may have heard Lesa Caputo speaking about this and other benefits related topics on Steve Cushman’s Commerce radio program, KZSB 1290 AM.

“Over the last decade employers have continued to wage war with insurance carriers over soaring costs and fight to retain the value of their employees’ benefits.

As a Benefits Advisor I spend a great deal of my time fighting the good fight on my clients’ behalf and despite what most people think, I’m here to tell you there is still opportunity to provide a benefits package that offers real value to your employees.”

– Lesa Caputo
Benefits Advisor



High-Deductible Health Plans, not a four-letter word.


High-Deductible Health Plans have grown in popularity in recent years, particularly among companies with a high proportion of younger workers who are less likely to require health care on an ongoing basis. Offering a high-deductible plan in tandem with a tax-advantaged Health Savings Account to help employees pay for their medical expenses is a great way for employers to empower employees to make choices that will provide the most benefit and value to them based on their own personal needs.


Historically self-funding was an option only for large companies with significant financial reserves but in the last few years the market has shifted significantly to make self-insurance a viable option for smaller companies.


For income related benefits, such as disability and life insurance, an employer can increase the value of the benefit upon claim with just a few simple steps.

If you’ve never explored the possibilities or are unsure if these types of programs are right for you, contact Lesa today to discuss how she may be able to design a benefits strategy that can create savings and value while improving the health of your employees.