Flexible Benefits Team
Providing outstanding service with more than 36 combined years of knowledge and experience in Flexible Benefits.

(Left to Right: Sherry: CSR, Joan: Admin Asst., Fran: Manager, seated -- Sue: Asst., Steph: CSR)
   
Flexible Benefits

Insurance, Retirement... Employee Benefits

Commercial Insurance Business Solutions

Homeowner, Auto, Boat... Personal Solutions

Personal Life and Health insurance Individual Life-Health

Retirement and Savings Plans Financial Services

Cafeteria Plans Flexible Benefits

Cafeteria Plans Home

Benny Card

Cafeteria Plans Benny Card Inquiry

Cafeteria Plans Benny Card Activation

Cafeteria plans are employee benefit plans authorized by the IRS under Section 125 which allow employees to elect to pay for certain group insurance benefits with pre-tax dollars. In addition, Flexible Spending accounts allow the employee to create tax-free accounts to pay for non-reimbursed eligible medical, dental and vision expenses, day care and elder care.

Employers also benefit by increasing benefits offered in their employment package and by receiving tax allowances for employers.

 
Flexible benefit spending accounts allow options in three areas:

Pre-tax premiums which affect how you pay for your share of
medical insurance premiums.
Health Care spending accounts allow reimbursement on a pre-tax basis for specified medical, dental and vision expenses not covered by insurance.
The IRS now allows over-the-counter drugs to be pre-taxed.
Dependent Care spending accounts offer pre-tax reimbursement for dependent care expenses (i.e., childcare)

Features offered:
Personal service from our professional staff
A toll free telephone number
A toll free fax number
Employee communication
Preparation of Plan Document and Summary Plan Description
Non-Discrimination Testing
Preparation of Annual 5500 filing
Spending Account Claims Reimbursement
Debit Cards
Direct Deposit
Online Enrollment
Online Claim Entry
Online Balance Inquiry
   

Department Contacts:
Fran Justice, Flexible Benefits Mgr
fjustice@ldbinsurance.com

Stephanie Carr, CSR
scarr@ldbinsurance.com

Sherry Nicholson, CSR
snicholson@ldbinsurance.com

Joan Alder, Admin Asst.

jalder@ldbinsurance.com

Megan Throngard, CSR

mthrongard@ldbinsurance.com


A sure thing in an unsure world
LD&B Insurance Agency
Harrisonburg VA

Main Office
Phone - 540-433-2796
Fax - 540-434-9670
Toll Free - 877-LDB-5478
info@ldbinsurance.com

LD&B Insurance Agency
Park View Federal Credit Union,
Harrisonburg VA

Phone - 540-438-0204
lford@ldbinsurance.com

ShenValley Insurance Agency
Mount Jackson VA
Phone - 540-477-2515
Fax - 540-477-2516
jkelly@shentel.net
skennedy@shentel.net
vpolk2@shentel.net

Estes Agency
Bridgewater VA

Phone - 540-828-1360
Fax - 540-828-1394
estesins@ntelos.net

Map to LD&B Insurance Agency

Map to Park View Federal Credit Union

Map to ShenValley Insurance Agency


NOTICE OF LICENSURE: Layman, Diener & Borntrager (LD&B) is licensed to conduct business in the state(s) of Virginia and West Virginia.
The information on this site is a solicitation to conduct business only in the aforementioned state(s) of authority.