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A Legacy of Insurance Backed by Benefits

Ralph Weiner and Associates is your trusted insurance advocate.

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Our Mission

At Ralph Weiner and Associates, we are committed to the highest level of personal service, so that your business and personal life are protected.

Learn About Ralph Weiner and Associates

We are an independent insurance agency located in Wheeling, IL, and licensed across the nation. Since 1951, we have been committed to being your advocate and providing friendly, responsive, and superior service. We specialize in a variety of insurance coverages, with divisions focused on anything from home, auto, and life insurance, to commercial and group employee benefits. We are also highly renowned regarding senior care facility policies and long-term care benefits.

Insuring your most valuable assets is our goal, and we work with the top name brand carriers across the country to make that happen. Our reputation for success has earned us the trust of families, individuals, and business owners, locally and nationally. If you are ready to reap the benefits your insurance policy can offer, get in touch with one of our team members today!

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20

Qualified Team Members

71

Years in Business

3,500

Policyholders

The Solution to Your Insurance Needs

Ralph Weiner and Associates offers a variety of employee benefits, insurance by industry, personal insurance, and business insurance solutions to help you protect what matters most.

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

Affiliations - Safeco

Affiliations - Liberty Mutual

An Independent Agency Gives You Options

We proudly represent Safeco, Liberty Mutual, Nationwide, and more!

Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability
Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

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