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Group Life Insurance
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Split Dollar Arrangements
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Succession Planning
Supplemental Employee Retirement Plans (SERP)
Survivorship Plans / Last to Die
Term Life Insurance
Universal Life Insurance
Voluntary / Supplemental Life Insurance
Whole Life Insurance
Employee Benefits
401(k) Plans
Consumer-Driven Plan Designs
Disability Plans (Short Term and Long Term)
Executive Carve-Out Plans
Flexible Spending Accounts (FSA’s)
Group Dental Plans
Group Life and Accidental Death & Dismemberment (AD&D)
Group Long Term Care
Group Medical Plans (EPO’s, HMO’s, POS’s, PPO’s)
Health Reimbursement Arrangements (HRA’s)
Health Savings Accounts (HSA’s)
International Medical / Travel Plans
Medical Savings Accounts (MSA’s)
Payroll Deduction Plans
Professional Employer Organizations (PEO’s)
Qualified Sick Pay Plans
Section 125 Plans (Premium Only Plans)
Self-Funded or Partially Self-Funded Medical Plans
Vision Plans
Voluntary Programs

Claims Analysis and Plan Design
Claim Report Analysis
Comparative Data Analysis
Plan Design Implementation
Employee Benefit Assistance
COBRA
Employee Assistance Programs (EAP)
FMLA
HIPAA
Employee Communications
Awareness Posters and     Signage Programs
Custom Employee Payroll     Stuffers
Open Enrollment Meetings
Safety, Health and Environmental Programs
Establish Safety Committees
Loss Prevention Programs
Workplace Safety Rewards Programs

Wellness Programs
Customize Employee Wellness Programs
Incentive Programs for     Executives
Employee Health Fairs
Executive Carve-Out     Plans

Financial Services
PJL Financial is your one-stop for a full range of financial and retirement planning needs. Learn more at www.pjladvisory.com or contact us to learn more.

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