Employee Health & Benefits Solutions for Businesses in Charleston, SC
Charleston’s business landscape is diverse — from hospitality and tourism to healthcare, technology, maritime industries, and fast-growing startups. As competition for skilled workers continues to rise, employers need modern, flexible, affordable benefits that help attract and retain top talent.
Benni helps Charleston businesses offer intelligent, cost-efficient employee benefits powered by technology and expert consulting. We combine automation, education, and customized planning so small and mid-sized employers can offer big-company benefits without big-company budgets — or administrative burdens.
Many of our most popular benefits, including telehealth and prescription savings programs, can even be offered at no cost to the employer, giving Charleston companies a powerful advantage while keeping expenses low.
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Major Medical Insurance in Charleston
Major medical coverage remains the #1 benefit employees value most — but group plans in Charleston are becoming increasingly expensive and restrictive. Benni provides a modern, high-value alternative:
ICHRA (Individual Coverage Health Reimbursement Arrangement)
- ICHRA (Individual Coverage Health Reimbursement Arrangement)
- Employees choose any individual major medical plan they prefer
- Benni provides free ICHRA administration software
- Automates compliance, reimbursements & reporting
- No more renewals with unexpected rate increases
For Charleston business owners, ICHRA offers better control, freedom of choice, and long-term budget stability.
Dental Insurance for Charleston Employers
Employees appreciate dental benefits more than almost any other supplemental coverage. Benni simplifies everything with:
- Wide plan options (preventive, basic, major services)
- Orthodontics & specialty care options
- Simple digital enrollment & benefits access
- Clear communication to increase employee participation
Perfect for Charleston’s fast-paced work environments where flexibility and simplicity matter.
Vision Insurance for Charleston Businesses
Vision coverage is affordable, easy to offer, and enhances overall wellness. Benni provides:
- Low-cost vision plan options
- Large provider networks
- Easy plan access through Benni’s platform
- Smooth employee enrollment and clear usage guidance
This benefit is especially valuable for Charleston employees in hospitality, technology, and manufacturing — where eye health directly affects job performance.
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Short-Term & Long-Term Disability Insurance in Charleston
Disability coverage protects employees’ income when they’re unable to work due to illness or injury.
Short-Term Disability
Ideal for pregnancy recovery, short illnesses, outpatient surgery recovery, and temporary injuries.
Long-Term Disability
Protects employees from income loss due to serious or prolonged health conditions.
Benni’s digital tools ensure employees understand their benefits and can easily enroll and access claims information.
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AD&D Insurance for Charleston Businesses
Accidental Death & Dismemberment insurance offers:
- Lump-sum payouts for covered injuries or accidents
- Additional financial protection for employee families
- Employer-paid or voluntary options
Charleston companies benefit from enhanced safety and security for their teams.
Life Insurance for Employers in Charleston
Life insurance provides essential peace of mind for employees and their families.
Benni offers:
- Group Term Life Insurance
- Voluntary/Supplemental Life Insurance
- Spouse & Dependent Life Insurance
- Flexible small-business life insurance programs
Our automated platform keeps administration minimal while improving employee engagement and protection.
Tax-Advantaged Accounts for Charleston Employers
Tax-advantaged accounts help employers and employees save money on healthcare.
Health Savings Accounts (HSA)
Ideal for employees with HSA-qualified plans, offering tax-free spending and long-term savings benefits.
Flexible Spending Accounts (FSA)
Reduce taxable income through medical FSAs, limited-purpose FSAs, and dependent care FSAs.
Health Reimbursement Arrangements (HRA/ICHRA)
Allow employers to reimburse medical expenses or premiums tax-free.
All accounts are fully integrated into Benni’s no-cost administration platform.
Specialty Insurance for Charleston Businesses
Today’s employees want benefits that support their lifestyle — not just their healthcare.
Benni offers affordable specialty benefit options, including:
- Pet Insurance for veterinary care
- Legal Insurance for everyday legal needs
- Travel Medical Insurance for business or personal trips
- Dental Savings Plans for lower-cost dental care alternatives
These benefits help Charleston employers stand out in competitive industries like hospitality, maritime operations, and tech.
Voluntary & Supplemental Health Benefits in Charleston
Voluntary benefits allow employers to enhance protection without increasing costs.
- Hospital Indemnity Insurance - Pays cash benefits for hospital stays or procedures.
- Critical Illness Insurance - Provides a lump sum for major diagnoses like cancer or heart attack.
- Cancer Insurance - Helps cover treatment costs, medications, and other related expenses.
- Accident Insurance - Offers financial support after accidents, injuries, or emergency care.
- Medicare Supplement Insurance - Great for Charleston employers with older or retiring team members.
Benni ensures employees understand what’s covered and how to use each benefit.
Why Charleston Businesses Choose Benni
- Modern, digital-first benefits platform
- Predictable budgeting for employers
- Zero-cost benefit options available
- Compliance & reimbursements fully automated
- Personalized major medical options through ICHRA
- Improved employee satisfaction and retention
- Lower administrative burden for HR teams
Ready to Offer Better Benefits in Charleston?
Benni supports Charleston employers with flexible, affordable, high-value employee benefits that help attract talent, reduce turnover, and support long-term business growth.
Let’s Talk — We’ll build a benefits package your Charleston team will love.
FAQs — Employee Benefits in Charleston, SC
Can small businesses in Charleston offer major medical benefits affordably?
Yes. With ICHRA, even very small employers can offer high-quality major medical coverage without the high cost of group insurance.