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Services & Benefits Provided
Group Quoting Service
We are a source with many choices. We offer a cost and benefit analysis to prospective clients, as well as to existing clients at their time of renewal, to guarantee that you receive the best possible benefit plan at a competitive price.
Partial Self-Funding/Medical Reimbursement
Partial Self-Funding/ Enables the company to save premium Medical Reimbursement dollars by selecting a plan with a higher deductible and lower monthly premiums. Realized annual savings allows a company to fund a percentage of employee's deductible while the employee's portion remains at the lower deductible rate. Linn Financial Group, Inc. offers the administrator of the plan automated tracking, check writing, and employee reporting.
COBRA (HIPAA,FMLA,ADA) Compliance
We offer the service of notifying separating employee's of their rights and the regulations of COBRA (HIPAA) laws as well as administrating their participation under the COBRA program.
Flexible Spending Accounts/Cafeteria Plan
Flexible Spending Allows the employer to shift benefit cost to Accounts/Cafeteria the employees on a pre-tax basis. And, Plan (Section 125) allows for the utilization of Section 125 of the Internal Revenue Code that enables these qualified benefits to be paid for with pre-tax dollars. Payroll, Unemployment, FICA, and Workmen's Compensation taxes are reduced when benefits are paid for before you pay taxes. We also handle all the Administrative Services
Retirement/Pension Planning
We offer products and Administration Services that Planning will allow a company to offer retirement plans to their employee's at a reasonable cost.
Insurance and Business Planning
We can offer insurance plans to suit your Planning company and/or individual specific needs. We offer a wide variety of products to assist in preparing a "total needs" plan, ranging from life and health insurance. disability insurance, IRA's and annuities. We can offer assistance in estate and financial planning as well as business continuation. As an independent agent we can recommend
an array of private products.
Supplemental Retirement Plans
Supplemental Retirement Plans We can offer products that can work in conjunction with retirement plans that are offered through an employer. This can be presented to enhance the employee's benefits.
Voluntary Payroll Deduction Plans
Voluntary Payroll Deduction Plans/ Ability to enhance overall employee benefits and Worksite Marketing build morale. Affords the employee the opportunity to obtain other benefits by having premiums deducted from their pay. Some with Tax Savings.
Pre-Paid Legal Services
Pre-paid Legal Services This plan was designed especially for small businesses and individuals. We realize how difficult it can be when you are trying to keep a business going on today's market. Having an attorney available for the legal situations known to arise within the business and personal environment gives you the peace of mind to run your business with less worry. 
Viatical Settlements
This is a new financial service that enables individuals with cancer. heart disease, Alzheimer's disease and other severe chromic and life threatening illnesses to sell their life insurance policy for cash. 
Medical Savings Accounts
Medical Savings Accounts Tax-favored medical savings accounts are available for the first time this year to self-employed people and employees of small businesses that choose to offer them. If you're self-employed, the choice is yours, and it could be a very wise one.

FirstChoice Insurance & Benefits

Division of Linn Financial Group, Inc.

626 Potomac Ave.

Hagerstown, Maryland 21741

Phone:(301) 739-3474      1-800-682-9015     Fax:(301) 739-2505