Business Details
21 Years
experience
Your Trusted Insurance & Employee Benefits Partner in Mt. Pleasant
Southern Benefits has been dedicated to providing comprehensive insurance and employee benefits solutions since 2005. Our agency specializes in group medical, life, dental, and disability plans, offering tailored programs ranging from self-funded to fully insured options. We maintain a hands-on approach with clients through continuous market analysis, employee education, and strategic consulting. Our team of licensed South Carolina agents works closely with employers to design cost-effective benefit packages that meet regulatory requirements.With expertise in the Patient Protection and Affordable Care Act, we help businesses navigate complex compliance issues while ensuring employees understand their coverage options. Our commitment to personalized service extends through every stage of plan implementation and ongoing administration.
Services
Group Health
Group Life
Group Dental
Group Disability
Individual Medical Plans
Family Dental Plans
ACA Compliance Consulting
Employee Benefits Administration
Pre-Tax Payroll Planning
5500 Form Filings
Details
- Year established: 2005
Highlights and features
- We have over 25 years of experience in employee benefits consulting
- Our team provides hands-on plan management and market analysis
- Specialized expertise in Affordable Care Act compliance guidance
- We represent multiple insurance carriers for competitive options
- Licensed independent agents serving South Carolina businesses
Services
Group Health Plans
We design comprehensive group health insurance solutions tailored to employer budgets and employee needs. Our services include plan selection, carrier negotiations, and compliance management for South Carolina businesses. We provide ongoing support with enrollment, claims resolution, and ACA compliance.
Group Life Insurance
Our group life insurance programs offer employers affordable options to provide death benefit protection for employees. We help establish appropriate coverage levels, manage carrier relationships, and ensure proper documentation for policy administration.
Group Dental Plans
We implement cost-effective group dental coverage solutions with various plan designs to suit different workforce needs. Our services include plan selection, employee education, and ongoing administration support for dental benefit programs.
Group Disability Insurance
Our group disability insurance protects employees' income during extended absences. We help employers choose appropriate benefit levels, manage carrier partnerships, and provide claims assistance for short-term and long-term disability programs.
ACA Compliance Guidance
We provide specialized consulting on Affordable Care Act requirements for employer-sponsored plans. Our services include reporting assistance, coverage design analysis, and ongoing updates about regulatory changes affecting businesses.
People
Dave Kay
Founder
Dave Kay established Southern Benefits in 2005 with 25+ years of employee benefits experience. As an independent insurance broker, he oversees all agency operations and maintains active involvement in client consulting services.
Questions
What types of business insurance plans do you offer?
We specialize in group health, life, dental, and disability insurance plans for South Carolina businesses of all sizes.
How do you help with Affordable Care Act compliance?
Our team provides ongoing guidance to ensure employer-sponsored plans meet all ACA requirements and reporting obligations.
Do you offer individual health insurance options?
Yes, we help self-employed individuals and families find ACA-compliant health and dental coverage with available subsidies.
What support do you provide after plan implementation?
We offer continuous support including employee education, claims assistance, regulatory updates, and annual plan reviews.
How do you handle plan renewals and modifications?
We analyze market options annually and negotiate with carriers to maintain competitive pricing and optimal coverage.
Reviews (4)
Brook Cargile
Mar 26, 2022
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Called to get benefit information, spoke with Kristy asked several times what my benefits were she would not give me anything but generic information. When I asked if she needed my ID number to look up my benefits she just told me it would be subject to deductible. I advised her I would like for her to look up my benefits by my plan and she still refused. I DID have to get loud and then she started telling me I was screaming at her (thankfully I had many witnesses that heard the entire conversation from both ends) she is extremely unprofessional and pure lazy. She did not want to do her job and it's this way every time I call into get benefit information. She needs a lesson on customer service and general kindness. Bless her heart.
Kenneth Fontenot
Dec 13, 2021
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I submitted my application for my pension 8/31/2021. I am in the beginning of the fourth month and I still have not received my money! This is the worst company for any union to work with concerning a member's pension money. I (Do Not) recommend any Union to use Southern Benefits!
Ashley Ising
May 03, 2020
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Been trying to get information on my father's pension benefit for 7 months and continue to get the run around. They won't tell me the amount and keep saying all information is in the mail, but I actually just get requests for additional documentation. At best they are terribly inept at worst they are crooks.
Kent Moore
Feb 04, 2020
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They steal your money Everyone on that board coats their pocket I have been out of the union for years after they closed my hall My money sits there like Iam not even under their negotiations anymore I guess it's time to get a lawyer
