YOUR EXPERT BENEFITS ADVISORS

We are your Back Office HR team!

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YOUR BACK OFFICE COMPLIANCE CONSULTANT

We provide you with a vast compliance library!

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LEADERS IN TECHNOLOGY

Ease - Your employees love it!

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INSURANCE FOR INDIVIDUALS AND SENIORS

We'll be your guide!

LEARN MORE - INDIVIDUALS LEARN MORE - SENIORS

Company Health Insurance Agency Oakland, Berkeley, Fremont and Walnut Creek.

Carman and Fairbanks Insurance Services, Inc. is your trusted advisor for company health insurance services and group benefits including health, dental, vision life and more. Our employer group clients enjoy the latest in online enrollment technology at no cost. We provide individual and family health plans, Medicare health plans, travel insurance, life insurance, and more.

With over 25 years in the insurance industry, Dawn Fairbanks has the experience and the expertise you need. Our strength lies in listening carefully to your corporate or personal insurance needs, and tailoring the plans that maximize your coverage and budget requirements. Most importantly, we provide the highest quality service for the life of your plan, all at no cost to you.

Worker’s comp

It’s a law! Protect your business and your employees with the best in carriers for small businesses.

Payroll solutions

Whether just getting started or wanting to change your payroll provider, we’ll help you find a good fit for payroll

COBRA, ERISA, POP, HSA, FSA

Customized ERISA wraps, COBRA solutions, Section 125 POP, and a host of choices for your HSA and FSA needs

Your Expert Advisors

We’re passionate about helping our clients! We use our wealth of knowledge and extensive experience to...

HR Compliance solutions

We’ll provide you with comprehensive compliance resources, tools, State and Federal laws, HR training videos...

Online benefits management

Employers and employees have 24/7 access to a customized benefits enrollment and management site.

Employer resources

Avoid costly compliance mistakes. We provide you with HR Compliance Tools for Administrators and Owners.

HR Compliance Tools

ACA Compliance, ERISA, COBRA, POP, HSA, FSA and more!

Individual And Family Health Plans

We can be your guide!

Medicare

Medicare 101 - learning the basics and getting enrolled!

Why Offer Employee Benefits?
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Benefits are no longer a perk in today’s business world; they’re an expected part of compensation. Here are some good reasons for offering benefits to your employees:
1. Employees usually prefer jobs that provide benefits. As the employer, you’ll attract and retain the most qualified candidates.
2. With access to benefits, employees have improved health. Studies show that presenteeism (working while sick) has the consequence of productivity loss. Implementing a wellness program can help reduce or eliminate presenteeism. Employees with coverage are more likely to seek care and live healthier lives.
3. The employer has a tax advantage, deducting the cost as a business expense. Many employers ask employees to pay a portion of the cost as a paycheck deduction.
Employee Benefits: what do I need to start the process?
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We take the load off your shoulders throughout the entire process. All that we need to generate a quote is the company name and address and the names, dates of birth, and home zip codes for the employees. If employees would like information for family members, we would need the dates of birth for the family members. In order to target the types of plans that best suit your needs and budget, we like to start with a phone consultation.
Why should I work with Carman and Fairbanks Insurance Services?
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We pride ourselves in providing:
- outstanding service to employers, employees and families
- Over 35 years combined industry knowledge
- State of the art Enrollment Technology with Ease (formerly EaseCentral) at no cost
- COBRA and Section 125 POP plans at no cost
- Back office HR compliance tools at your fingertips at no cost
Our many years of experience, our depth of knowledge, high level of service, and our honesty are the qualities our clients appreciate.

Our Clients

Couldn’t be happier with Dawn…

– source name

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Company Health Insurance Brokers

An Independent Life and Health Agency,

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