Employee Benefits

We strive to assist our customers by understanding their overall health insurance needs along with meeting their budget. As you may be aware, the medical insurance market is ever-changing; Citizens Trust Company monitors the medical insurance industry of insurance plans and trends to offer the best options available and keep you abreast as to potential changes on the horizon. We provide knowledge and expertise from individual/family plans to large group plans self-insured programs. We research and analyze these options and prepare a tailored proposal based upon needs and selected criteria for each client. When you think about the total cost of benefits, what comes to mind? There are multiple options with a myriad of solutions. We not only help provide solutions within medical insurance programs, we help our clients through education so they can make the best decision for their families and or employees long term.

Our Specialties

Our staff of experienced benefits professionals can develop benefits programs that make sense for your company and your employees. We have specialists in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy.

We specialize in a wide variety of plans and lines of coverage, including:

  • Insured and self-funded health plans
  • Group life insurance
  • AD&D
  • Dental plans
  • 401 (k) Plans
  • Payroll Services
  • Vision plans
  • Cafeteria plans
  • Voluntary benefits
  • Short and long term disability plans
  • Human Resources Consulting


 Professional Services  Customer Service  Strategic Planning
 Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients. These services reduce customer costs, increase efficiency, and improve employee satisfaction – bringing your employee benefits programs to new heights in quality and performance.  We pride ourselves on the level of knowledge and service we bring to our clients. Each client works with a single point of contact, making working with us seamless and easy.  We will develop a customized strategic plan for you that defines your objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your benefits needs.