Group Insurance Programs

The Kentucky AGC Self Insurers' Fund WC Insurance Program

The Kentucky AGC/SIF Fund has provided continuous statutory worker's compensation coverage for its members since 1979. Currently, the Fund has over 5,100 member companies with estimated premiums expected to reach $54,000,000 for the 2012 year.

Over $16,500,000 in dividends was returned to its members in 2013 and has returned over $139,200,000 since 1994. 

In 1998, the Fund was the first self-insurers' group in the nation to apply for, and the first in Kentucky to earn, a coveted A.M. Best Rating of A-, "Excellent." Furthermore, the Kentucky AGC/SIF has maintained its A- rating each and every year since 1998.

Please contact your Agent or the Fund office at (502) 245-2007 for additional information or for a quote.

Visit the official Kentucky AGC/SIF web site at http://www.kyagcsif.com/


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The Kentucky Construction Industry Trust

Providing smaller employers access to "larger employer" rates.

The Builders Exchange offers these benefits through the KY Construction Industry Trust (KCIT). The KCIT has a strong, stable 30 year history and covers approximately 10,000 participants. This enables us to negotiate discounts from the providers. A third party administrator offers COBRA and Section 125 administration. Snowden & Associates, Inc. supports these benefits with prompt, personal service.

See below for contact information.

Health Plans

  • A variety of Anthem plans to suit your needs
  • Dual choice programs allowing employees to select between a combination of plans
  • Health Savings Account plans
  • IRIS care management program included. This feature monitors your medical and prescription usage, checking for conflicting treatments and offering case management where indicated
  • Wellness program designed to target risks and provide guidance; potentially lowering long term claims costs and premiums

Dental Plans

  • Plans available through Delta Dental and Anthem
  • Statewide provider networks
  • Orthodontia available (group size minimums may apply)

Life Plans

  • Group term life available through Anthem and Assurant
  • Benefits may be offered in a flat dollar amount, classed out by job title or based on a factor of earnings
  • Various guaranteed issue limits available based on group size

Disability Plans

  • Plans available through Anthem and Assurant
  • Long and short term plan designs offering income protection

Prevailing Wage Plans

  • Qualified Anthem plans that are designed to meet the unique needs of the employer who is working prevailing wage jobs

For details on any of these plans, contact:

Scott Snowden
Snowden & Associates, Inc.
Phone: 502-339-7980
Fax: 502-339-7983
Email: scott@snowdenbenefits.com
Web: http://www.snowdenbenefits.com/ 

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