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Explore Your Benefits For 2009

Thursday, January 01, 2009

Save money with NASE benefits for your business, your lifestyle and your health. Visit www.NASE.org to explore all of your benefits.

Payroll And Small-Business Services
NASE Premier Members can take advantage of ADP, the nation’s largest payroll company that specializes in micro-businesses.

ADP’s services and products can help you comply with payroll regulations and run your business more effectively.

  • Payroll Services: W-2 processing; tax filings for Forms 940, 941 and state unemployment insurance; state income tax filings, tax depositing, and more – all with a 20-percent discount for NASE Premier Members
  • HR Help Services: Human resources consultants on staff to answer any state HR questions you have; employee handbook templates available (all included with payroll services)
  • Workers’ Compensation Insurance: Eliminate down payments and audit surprises and simplify the administration of your workers’ compensation policy using ADP’s Pay By Pay insurance service
Plus, ADP offers many retirement solutions, including SoloK, EasyPayK, 401K and SIMPLE IRA.

Legal Assistance
Don’t go it alone when your micro-business faces legal issues. Legal Club of America® – Small Business Plan gives you access to a national network of attorneys in every field of law.

NASE Premier Members have access to the plan at no additional cost. NASE Access Members pay only $199 a year.

With this plan attorneys will:
  • Review documents monthly
  • Make initial and follow-up calls
  • Write collection letters on your behalf
  • Consult with you on new legal matters
  • And more
NASE Health Reimbursement Arrangement (HRA)
By using an NASE HRA, you could save more than $3,500 in annual income taxes. And NASE Members have access to this HRA at no additional cost.

With the NASE HRA, you can deduct qualified medical expenses from your federal, state and local taxable income as well as from net earnings from self-employment. You could be deducting these basic expenses:
  • Health insurance premiums
  • Dental insurance premiums
  • Prescription medications
  • Over-the-counter medications
  • Vision care and eyeglasses
  • Doctor office visits
  • Chiropractic care
  • Insurance deductibles and co-payments
Your HRA plan can be customized to your specific business needs so you enjoy maximum flexibility while saving significant tax dollars. Complete the no-obligation online application today.

Business Formation Services
Incorporating or forming a limited liability company (LLC) could help establish credibility for your micro-business and give you tax advantages.

BizFilings provides corporation, LLC and nonprofit formation in all 50 states. You can also obtain S corporation status and get a federal tax identification number (EIN). Choose from three formation packages, with savings from $20 to $60.

BizFilings even offers discounts on business license application packages and DBA (doing business as) registrations.

Pet Insurance
Get financial protection for those unexpected accidents or illnesses that happen to your four-legged family member. NASE Premier Members enjoy a 10-percent discount on pet insurance.

From comprehensive illness coverage to accident-only protection, PetCare® offers a variety of coverage forpets of all ages. You can even use the licensed veterinarian of your choice. The plan features these benefits:
  • Guaranteed acceptance and lifetime coverage
  • Premiums that don’t increase as your pet ages
  • Fast claims turnaround, usually within five business days of receiving your completed claim form
Family Legal Services
Save on family legal services by becoming a member of Legal Club of America® – Family Plan. You’ll enjoy free and discounted services including:
  • Unlimited initial consultations for each new matter
  • Preparation of a free Simple Will and free annual updates
  • Discounted hourly rate of $75 for extended legal care
  • 10-percent discount on contingency-based cases
The Family Plan gives you access to a nationwide network of qualified attorneys. NASE Premier Members pay only $59.95 per year; Access Members pay only $79.95 per year.

Roadside Assistance
NASE Premier Members enjoy automatic membership in Motor Plan emergency roadside assistance. You can even add your spouse and dependents at no additional cost.

Out of gas? Flat tire? Dead battery? No problem. Just call toll-free anywhere in the U.S. or Canada and receive 24-hour service.

Motor Plan also gives you trip planning resources that include free maps, mileage guides, destination information and motel/hotel directories.

Dental Care Discounts
Save up to 60 percent on virtually all dental procedures for you and your family:
  • Cleanings and fillings
  • Root canals and crowns
  • Orthodontics for children and adults
NASE Members pay a low $8 per month for the Individual Program and only $12 per month for the Family Program.

This special program through Careington International gives you access to more than 78,000 dentists nationwide. You have unlimited access to care with no limits on the number of visits.

Physician Consults By Phone
NASE Premier Members and their dependents have on-demand access to health care at no additional cost.

TelaDoc™ is a network of board certified primary care physicians available over the telephone 24 hours a day, 365 days a year. Simply make a phone call, and speak to a licensed doctor in less than three hours.

TelaDoc is available nationwide for non-emergency medical assistance. Call TelaDoc when:
  • You can’t reach your primary care physician
  • Your primary care physician’s office is closed
  • You can’t reach your primary care physician
  • You need a recurring prescription filled (short-term only)
  • You need medical attention that might be resolved without seeing your primary care physician
  • You have medical questions or medical concerns


Don Sadler is an Atlanta-based freelance writer who is trying especially hard these days to avoid making his own financial mistakes. Reach him at don.sadler@comcast.net

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